BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my follow-up complaint in line with my prior complaint dated XX/XX/XXXX. 
My complaint contains the items which I believe to be fraudulent please remove the items in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-22
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:
What else should I say? Again, this situation is making me sick! Equifax is not removing or blocking an account per FCRA regulations when I submitted an FTC and Police Report claiming I was a victim of ID theft. I'm attaching the report for your records. This fraudulent account should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}

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 2022-03-11
Company: BANCO POPULAR DE PUERTO RICO
State: VI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Banco Popular XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have a problem with Bank above. On prior descriptions dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These Occurrence ongoing i discovered Fraudulent Activities on my Checking and Saving Account without my Consent. Funds was not Handled or Disbursed as Instructed to my Monthly Merchants Accounts it caused me the consumer high fees charges and late fees. Due to bank Errors i consumer tried to resolved dispute but company FAILED and REFUSED to work a relationship with me the consumer. Notice it caused me Financial Reputation as a truly valued Consumer. I am asking to clear my Name and funds with a Refund back to my Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Machol and Johannas never served me papers complaint or summons regarding the judgment they put against me. they said they served a XXXX year old XXXX XXXX XXXX. I have no idea who they actually served. Being I am a female, single mother, my child is a female  as well and she's only XXXX. No one else lives or resides in my household. So again I have no idea who they actually served if they served anybody at all. They took away my right to resolve this issue. According to the Fair Debt Collections Practices Act if a collection agency has sued you without giving you the mandatory 30 day notice to dispute the validity of a debt then that is a violation of the Fair Debt Collections Practices Act. If the collection agency or collection attorney never allowed you to dispute the debt upon receiving their first notice, then the judgment would be entered in error. They put a hold on my bank account and are now trying to garnish my wages at my work. When you call to talk to someone no one answers nor do they call you back, they don't respond to emails, or complaint emails submitted to the business. This is very unprofessional and is bad business. With all these complaints why are they even still in business?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been citi credit card loyal customer since 2018. 
Recently, I opened a dispute against fraudulent charge made by a merchant who already has been reported to XXXX XXXX XXXX due to scam involved on online shopping. This merchant who has currently taken down their online website which used to be XXXX, and have been officially alerted by numerous people on XXXX XXXX XXXX has gotten my money and got away with such crime. And citi did nothing to protect me. I am appalled such a big bank like citi would stoop this low and strip off my confidence I had on their credit card fraud protection team. 
I have contacted citi dispute center and reported the issue and provided proofs in writing. Despite all my efforts and waiting patiently for almost 3 months, citi found it easy to close my dispute in the scammers favor instead. I am disappointed by the poorly trained and unhelpful customer service team at citi and I will be closing my citi credit card

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 2017-06-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX claims to have a valid transfer / assignment to our mortgage loan that complies to the National Mortgage Settlement Agreement. The allonge previously provided has an incorrect property address and does not contain the legal description of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Sallie Mae has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Affirm Holdings, Inc
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent over a letter to this company by the name of XXXX XXXX that I kept getting emails from stating that I owe an balance on an account that I have no knowledge of. When I clicked on the email it brought me to a website showing a balance along with phone numbers to reach out to. I asked them what is this about and why is it saying I owe a balance .When I called the number they informed me that I would need to speak to AFFIRM. I then had sent Affirm a letter on XX/XX/XXXX requesting more information to validate this account for me. I waited and never received anything in the mail, they sent me a email instead on XX/XX/XXXX with just amounts and loan balances. I then sent them letter out on XX/XX/XXXX stating that they still have not complied with the FCBA. They only forwarded a portion of the documentation requested and required by the FCBA. I sent another letter on XX/XX/XXXX requesting for the 3rd time and it is now XX/XX/XXXX and they still are reporting this account, which has been detrimental to my credit report! I am requesting that they remove this account and delete it from my credit reports immediately. This is a serious matter and very sad that I am being affected and haven't been provided any documentation or even a response in over two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-03-11
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2016 I purchased a vehicle ( XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX Texas. I was then under a chapter XXXX bankruptcy and the court allowed me to obtain the vehicle through a loan from XXXX XXXX. It was my understanding that the vehicle would be reporting on my credit. For the following two years, the vehicle was reported on my credit as I was paying on time and without delay. The vehicle eventually fell off my credit report. The XXXX XXXX institution explained to me that they had done a review of their files/data base and my vehicle was no longer able to be shown under my credit report. I spoke to many customer service representatives to change this rule. The organization would not comply with my request due to the standing policy against having vehicles financed under chapter XXXX. I have since completed my chapter XXXX payments and the case has been discharged. The XXXX XXXX continues to not permit the vehicle to be shown on my credit report. I am now faced with the prospect of changing my loan to another organization so that my payments show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NY
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 noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX  ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX, I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX  or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
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: Information belongs to someone else

Complaint:
I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.

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 2022-12-22
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I transferred {$2000.00} from my Bank of America checking account to my wife 's XXXX checking account by way of XXXX through our banks. We were not aware at the time that my wife 's XXXX bank account had been closed due to an overdraft. Later that day, when my wife went to go use the debit card and check her online account, she discovered the account was inactive. She contacted XXXX and they said that the money transferred should be sent back to my Bank of America acct. within 10 business days, since the XXXX bank acct was closed. We filed a claim on XX/XX/XXXX with Bank of America, to reassure that the money would be returned. We contacted XXXX bank on XXXX XXXX, XXXX  to see if they had received the money and if they knew where it went. They responded that they did not receive the money transfer. We then contacted Bank of America and they said they were waiting for someone from XXXX to respond to their attempt to communicate. Bank of America said that if we mailed them proof of the XXXX bank acct being closed, that would assist in the claim process. XXXX mailed me the letter and we emailed the letter to XXXX around XXXX XXXX XXXX  We waited and heard nothing back, we then called Bank of America on XXXX XXXX, XXXX and they suggested we email the letter again. We did email them the letter again. On XXXX XXXX, XXXX, Bank of America mailed us a letter stating that they could not approve our claim.

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