BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXXXXXX XXXX  # XXXX pursuant to U.S.C Title 15 1681c. 

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX XXXX XXXX  is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09
Company: LendingUSA
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 I financed a Puppy from XXXX XXXX ( XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ). The total of the finance should have been {$1600.00} ( which I have the receipt ). I was informed that I was approved for the finance charge and was only told to sign the computer screen and that I would be emailed paperwork from the lender in 24-48 hours, which I never received. When my first bill came from the lender ( LendingUSA ), I noticed that it was in the amount of {$1800.00},,,, {$200.00} more than what I was financed for. I contacted the store ( Pet City ) and they stated that I needed to contact the lender ( LENDINGUSA XXXX XXXX XXXX XXXX TX XXXX XXXX ). I contacted the lender and they stated that they charge a {$130.00} fee for opening the account. I informed them that this was not disclosed to me at the time of purchase and all they stated was that I signed the paperwork ( which I did not receive any paperwork from XXXX XXXX ). I called XXXX XXXX back and spoke with the owner ( XXXX ) and she stated that she did not know that the lender was charging a {$130.00} fee for financing with them and that she only charged the amount of the purchase ( {$1600.00} ), which later on, I also found out the company ( XXXX XXXX ) actually charged an additional {$75.00} for supplies I did not purchase. The owner stated that she would contact the financial institute and discuss the issues and contact me back. I did not hear from her for over a week, so I had to contact the owner back to see if there was any resolution. All she said was that I needed to take up the problem with the financial company and that it was not her problem. I informed her that she did not disclose this charge to me before the purchase was made and that I did not receive any disclosure of paperwork from the financial company in the 24 - 48 hours that she said. I feel that she withheld information about the {$130.00} charge, which she claimed she knew nothing about and stated that she would not work with the lender if they are charging the fee. I informed her that I could have put the charge on another credit card, if I were informed that there was going to be charged a {$130.00}. I feel that this is a fraudulent way of starting a line of credit without disclosing any information on the financial charge.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX has violated my rights and sent me to collections of XXXX 15U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency can make any reports containing any of the following items of information. Any adverse item or information other than records or conviction to crime which atendates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 


Also my hippa law was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: MI
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:
My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from 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 2023-08-29
Company: Experian Information Solutions Inc.
State: MS
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 XXXX 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 : {$0.00} XXXX  XX/XX/2022

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 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX XXXX # XXXX pursuant to U.S.C Title 15 1681c.

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX  # XXXX, is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a secure credit card with the annual fee of {$24.00} to work on my credit and was told to come in and check before the renewal fee to see if I could get a non secure card. After making monthly on time payments I was unable to qualify so I asked about the annual fee to be charge next month and the representative named XXXX in the XXXX Oh XXXX XXXX branch told me to return after it was applied because she couldn't waive it until it was applied. Today approximately 1 month later XX/XX/2022 I called Fifth Third to follow up about this as I was submitting this only to be hung up on. Furthermore when I went into the XXXX branch XXXX told me in a follow up call that XXXX had said she thought it was about a charge I made! To sum up beware of the promises your local branches make... I have XXXX accounts with Fifth Third and I'm more than disappointed in there practices/professionalism. 

BEWARE FIFTH THIRD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ALLY FINANCIAL INC.
State: GA
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 reviewed my consumer report and found in accurate reporting regarding account Ally Financial ( ALLYFINCL ) beginning with account # XXXX. According to 15 U.S. Code 1681e whenever a consumer reporting agency it shall follow reasonable procedure 's to assure accuracy of the information concerning the individual about whom the report relates. There are discrepancies across all three reporting agencies as shown on the attached screen shot, so therefore I would like this account removed from my reports. These inaccuracies are affecting my credit worthiness.

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 2019-05-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home loan from company XXXX XXXX   company who is associated with Carrington Mortgage located in XXXX, TN XX/XX/XXXX. My loan officer name was XXXX XXXX. It took her about a day or two to see if I qualified credit wise and I did. My credit score got me qualified for an FHA loan and I asked for XXXX mortgage loan. She got all of my documents and told me that she couldn't use some of my income because it was from my business and I need to be in business for at least 2 years in order to file it. So she denied me for the loan BUT she never ask me if I wanted a smaller loan. I actually had to bring it to her attention if I qualified for anything lesser than I originally ask for. Because I ended up finding a home for a little of nothing and I was going to fix it up. I asked for XXXX mortgage loan and she said yes I can do it. That's when things went left! All of a sudden she had so many meeting that she wouldn't answer the phone and could barely email me back in a timely fashion. She would ask for additional types of documents and bank statements which I indeed provided to her. On XX/XX/XXXX I asked for a Prequalification letter, she hits me with I have additional questions I need answered and I answered those as well. I asked her what was the need for the additional questions she replied, so we won't have to do them after I get the loan. The last time she ask me a question and for documentation was on XX/XX/XXXX and again indeed sent it to her. I never received my pre-approval letter! On XX/XX/XXXX I tried calling her no answer so I emailed her and she replied I never received the documents I asked for on XX/XX/XXXX and I replied I did send it to you and I even copied and forward the information to her. Also on XX/XX/XXXX I email her supervisor XXXX XXXX and explain to him what was going on and I was waiting on my approval letter. Guess What! ... I never got a reply from loan officer XXXX XXXX nor her supervisor XXXX XXXX from the email I sent both of them on XX/XX/XXXX. I feel like I was done this away because of my race and I'm deeply hurt by this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citizens Bank Place A Restriction On my XXXX Profile On My Online Banking Am Not Able To Use XXXX to send money to anyone becuase of Citizens Bank Adding a restriction on XXXX XXXX in the Citizens Bank Mobile App and i contacted Citizens Numerous Time About this Issue and Customer Service they are Unable to Remove the Restriction From XXXX XXXX on the Citizens app i also step into a branch in XXXX XXXX in the XXXX and they also where unable remove this restriction from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The report contains inaccurate information and company failed to provide the information I requested.

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 2021-05-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed with XXXX XXXXXXXX XXXX  ( XXXX ) about something they reported on my credit report on XX/XX/2020. XXXX never responded back to me and instead got Heartland ECSI to respond on XX/XX/2020, in which they said Heartland ECSI handles these types of things for them. I sent them a letter asking for something bearing my signature, which they did not provide me within the allotted time by the FCRA. I also pointed out to them that they have an account number containing all X 's ( ex ... " xxxxxxxxxxxxxxx '' ), there was no date of last payment, there was no date of first delinquency and that the account needed to b removed immediately. I am not sure who's account number they are reporting as " xxxxxxxxxxxxxxxx ''. That is not complete or accurate information and I am not sure who that account can belong to, but that is how its reported on my credit report. 

Heartland ECSI responded saying that the information was accurate and they also stated that they would report to the CRA that this account was being disputed and they will continue to report it that way until I request they don't. I also sent them another letter, showing them that they also broke the law by not reporting this to the Credit reporting Agency within 30 days like they told me they were. I sent them a credit report dated XX/XX/2020 in which it showed they did not report the account as disputed. I also sent multiple letters to XXXX as well and this is still reported on my report. 

Heartland ECSI and XXXX broke the law multiple times by not reporting accurate and complete information that I could use to verify this account, and they also did not report this to the CRA as being disputed for OVER 4 MONTHS. I have run my credit report almost every week for the last year and 4 months after, they still did not follow the law. They have still not provided me any documents and they have still not given me an account number, date of first delinquency, and everything else I asked for. This account should be deleted and removed IMMEDIATELY as they have broken the law and the FCRA multiple times, even after I have written them multiple letters. My original letter was sent to XXXX XXXXXXXX XXXX and they did not respond until well over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX am writing this to inform you of your failure to send me a notification before putting this on my consumer report. I never received any documents pertaining to nthis alleged debt. This is a violation of my consumer rights. You don't have the authority o add something to my report without written notice and my consent. Pursuant to 15 usc 1692b ( 2 ) you cant state that I the consumer owes any debt. Also Pursuant to 15 usc 1692a ( 5 ) Debt means any obligation or alleged obligation. I am the original creditor Pursuant 15 usc 1692a ( 4 ) and only I can validate this debt. I am the natural person and the consumer and only I can validate this debt in which I DO NOT validate this debt.

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 2023-05-22
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: Account status incorrect

Complaint:
Experian has failed to update my credit report. For example : XXXX XXXX XXXX has been paid in full per an agreement I made with them. Simply put, it was taken to the original amount as even they realized I never received any correspondence to pay it. That said, Experian is showing my score as XXXX and often lower, whereas XXXX and XXXX have my score well over XXXX. I was in a situation back in 2018 that forced me into a small debt consolidation that was paid in full and noted as such. Everywhere except Experian. There is no reason my score should be be XXXX points lower on their bureau than the other two. They are also impossible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief