BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$4900.00} To whom it may concern, Your company is currently reporting an eviction on my credit report. It needs to be deleted because this account is UNVERIFIED and I am a victim of IDENTITY THEFT. I took the liberty to go to XXXX, experian and they have deleted the eviction from their records due to IDENTITY THEFT i have proof of a person forging my signature attached to this document. 
You have 30days from the date of this letter to delete this account if you can not produce DOCUMENTS of this account being accurate. This letter is NOT a request for you to automatically verify this account with no proof. I have done the footwork to protecting my rights and no company has been able to give me more information on this eviction which is preventing me from getting residence. 
Please understand I am fully prepared to file an offical complaint with the CFPB, XXXX, and the Attorney General if you do not abide by the FCRA and FDCPA regulations. 
Best Regards 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 2023-06-20
Company: EQUIFAX, INC.
State: AL
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 applied for a home loan with XXXX XXXX for a home loan and was denied based on information received from Equifax, XXXX and XXXXThey have be reported a deceased person and a unknown male purposefully for years.The deceased person was using my name as XXXX XXXX XXXX in Virginia.They mixed my file with this person and affect my length of credit showing I had none and the deceased person had it .I have tried to have this matter settled.They are causing me a hardship continually showing inaccurate information.I want my report correct now I have retain a civil attorney I am coming for punitive and compensatory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BANCO POPULAR DE PUERTO RICO
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX  company responded. They did not address how/who/why the account was locked. 
They also said they needed a document of which we furnished them a copy ( email ) for the 3rd time. 
Since XX/XX/XXXX we have made NUMEROUS attempts to contact the person we were directed to contact. She was NEVER available and they would not address the status of release of funds. 
As of now it appears they have blocked our phones or simply will not accept our calls.. 
This situation has been ingot for 18 months with NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 2021-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
There has been information published on a consumer report that I never gave either company ( XXXX, XXXX  & Experian ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with Experian. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX XXXX XXXX ( Invitation Homes ) 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  ( Reinserted into Experian )

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 2022-10-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX and XXXX of 2021, I had an auto-payment scheduled with US Bank for a credit card. Mysteriously, the bank had technical difficulties in which my regular auto payment did not go through. When I notified the bank that my payments were automatically being reversed, they apologized for the technical issue and then proceeded to offer the reversal of the late payments in XX/XX/2021. However, they still marked a 30-day and 60-day late payment AFTER reversing the late payment as a result of their mistake. 

When I contacted them, they informed me that there was nothing they could do and refused to close my account after I requested them to do so. 

Fast Forward to XX/XX/2021, the 2 late payments were removed from my consumer report. However, within 3 weeks US Bank re-added those payments back to my credit report. Therefore lowering my credit score. The second time, I contacted them by mail after the late payments were re-added and they responded in writing that the information being reported is 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 2023-06-20
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: Veros Credit, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Notice one day money being garnished out of my check nearly half of my funds leaving me ( head of household ) to be financially distressed, bills back-up. They are trying to collect {$16000.00}. They are in a total different state then where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2023-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was divorced buying car from ex wife. Making payments and insurance payments. I got in accident and called ex wife for insurance information. She informed me she dropped the insurance I was paying for without telling me. Got license suspended for that. Had pay few thousand. Then these XXXX Douglas knight pops up with ridiculous payment option threatening license suspension if I dont pay whole XXXX or give my check stubs so they can decide what I can pay. I said Ill send what I can. I was sending XXXX  Fell on harder times. XXXX XXXX XXXX no job. XXXX XXXX XXXX missed XXXX payments. Got out made XXXX payment that day after XXXX calls in ten minutes after I told him not to call me. Now they wont accept the XXXX dollars I have to my name. Refusing the payment I can make, and threatening my license. I need my license to work once I get my tools back. Im trying and these people are like fentanyl ferrets.

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 2022-05-17
Company: Upstart Holdings, Inc.
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: Reporting company used your report improperly

Complaint:
UPSTART is reporting a late payment on my credit profile. However, they made an accommodation by waiving the late fee therefore the account needs to report to the credit bureau as paid on time. The account is current. The CARES ACT states : " If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. '' The relief was offered once UPSTART waived my late fee on XX/XX/2022 around XXXX PM. 

In addition, my UPSTART portal shows the account as being late but not reported late to the credit bureaus. This is false, the account was in fact reported late. Attached are photos from my loan portal and XXXX. 

This is a direct violation of the CARES ACT and takes advantage of consumers ' rights during these tought economic conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was told in the Citibank online advertisement ( that applied by clicking through ) I would earn {$400.00} when I opened a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. Bonus will post within 90 days from the date you complete all of the requirements. 

I opened the accounts on XX/XX/XXXX and the money was deposited into the accounts on XX/XX/XXXX. This was 10 days after the account opening, well within the 30 day requirement. I deposited {$15000.00} into the checking account and {$100.00} into the savings account ( on XX/XX/XXXX ), thus meeting the total and individual account amount requirements as well. I left the money in these accounts until XX/XX/XXXX not using or moving any of it. On XX/XX/XXXX I withdrew {$2000.00} from the checking account. Thus the money was in the accounts at the proper amounts for longer than the 60 day requirement ( XX/XX/XXXX-XX/XX/XXXX ). The account is still to this day open and in good standing yet I have not received the bonus that should have posted at the end of XX/XX/XXXX ( around XX/XX/XXXX is 90 days after I met all of the requirements ).

I chatted online with a Citi customer service representative on XX/XX/XXXX. He said that I was owed the bonus and should have been paid in XX/XX/XXXX ( I took a screenshot of him saying this and attached it below ), he said that he was issuing a ticket and that Citi would get back to me within 2 business days ( also screenshot and attached below ). I have still heard nothing from them. I then contacted Citi customer service again this past Friday and he said that there was nothing he could do but have my issue expedited. I still have not heard back from Citi and still do not have the {$400.00} bonus. My statement just closed again on XX/XX/XXXX and I was hoping the bonus would be in the account then but it was not.

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 2022-12-31
Company: Prodigy Finance Servicing, LLC
State: PA
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:
Prodigy reported 2 missing payments each to XXXX for two loan accounts when I have been in continuous ( sequential ) forbearance arrangements. Here are the details of the Forbearance arrangements : XXXX. First XXXX extension request - first repayment date will be XXXX XX/XX/2022 as per Prodigy. 
XXXX. On XX/XX/2022, I applied for Forbearance ( request XXXX ). The request got approved and I wont have to make a payment between XXXX XXXX and XXXX XX/XX/2022. 
XXXX. I got a further extension on my forbearance which stated that I do not need to make any payments between XXXX XX/XX/2022 and XXXX XX/XX/2022. 
XXXX. Lastly, I again applied for an extension which stated that I wont need to make a payment between XXXX XX/XX/2022 and XXXX XX/XX/2022. 

I have been corresponding with Prodigy since XXXX regarding the late payment issue reported to XXXX, which is incorrect. Prodigy agreed over email that they reported erroneously and they have been giving me multiple dates by when the error would be rectified by prodigy, and my XXXX Report would be updated with " no missing payments. '' It has been close to 5-6 months and my XXXX report has not been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I paid my last VA loan mortgage payment and sold my house on XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted Amerihome on XX/XX/XXXX, in which the Agent stated it was applied and they can see that the mortgage was paid in full. I requested my escrow refund ( {$4100.00} ) to come to the home I'm staying at XXXX XXXX XXXX, XXXX TX XXXX- I never got it. I was told may take up to 14 days, so I called again on XX/XX/XXXX ; the Agent said it may be lost in the mail or take up to 30 days to arrive at my new home with my mail being that it was re-routed to Texas. I waited again until XXXX and nothing came. I called again on XX/XX/2021, to find out why my check never made it to my XXXX address and was told by the Agent that the address on file was still saved to the address where I sold the house ( XXXX XXXX XXXX ) I then told her to update my address to XXXX XXXX XXXX, XXXX, TX and she said that she would cut me a check and it would arrive with 7-10 business days. XX/XX/XXXX, I received an update on the address change confirmation letter but NO Refund check. On XX/XX/XXXX, I called Amerihome and spoke to an agent who stated that it would up to 14 days to look at my case from the date I called. I feel Im just getting the run-around to not give me a refund. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Radius Global Solutions LLC
State: FL
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:
I have reached out to the following account below and talked to them about the issue with my account as reported by RADIUS GLOBAL SOLUTIONS LLC. They have advised me that they will remove the account the fraudulent account will be deleted, however, as I reviewed my recent report, the late status is still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-05-23
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
IN accordance with the fair credit reporting accounts listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions.

15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system

Company response to consumer: Closed with explanation