BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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:
I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX XXXX REPORT # XXXX ). DUE TO COVID-19 I  WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. XXXX  AMD XXXX  STILL HAVE NOT RESPONDED TO MY REQUEST AND EQUIFAX RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION XXXX ( C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX  XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX  XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX   XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$690.00} XXXX  XX/XX/XXXX {$360.00} XXXX XX/XX/XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: 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 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 2021-07-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX  XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not responsible or liable for this debt with AMEX, I don't have a contract with them, they did not provide the original contract as I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
Over the course of a year, I have been trying to get a fraudulent account removed from my credit report with XXXX XXXX XXXX and Equifax Information Services. A year ago when I first saw the fraudulent account, I wrote to XXXX, Equifax XXXX XXXX right away. XXXX complied by removing the account. XXXX and Equifax removed the account but then put the account back on my report which later I found out are illegal by 15 USC 1681i ( a ). 

Since then I have been sending letters to Equifax XXXX XXXX requesting the XXXX XXXX  account to be removed. They have refused to do so. I have sent multiple letters and filed multiple FTC reports. They always respond by saying that they conducted research and this account is mine but they never show me proof of their research. I've requested they explain their process and show proof but they never do. It's becoming frustrating because I get the same generic template response as if a computer makes the decision and not even a real person looks into it. 

They have neglected 15 USC 1681i ( 6 ) ( B ) ( iii ) by not showing a detailed description of the procedure used to determine the accuracy and completeness of the information. 

I've even sent multiple Affidavits of Truths alongside my letters and FTC reports but they have never replied to my Affidavits. 

Both Equifax XXXX XXXX have had multiple court cases against them in the past regarding the same problems I am facing right now. At this point, I've hit a dead end and have no idea who I can rely on for accurate information or help regarding this issue. 

My recent FTC report number was : XXXX I pray and hope that whoever looks over my report at CFPB can help and make these reporting agencies fix this issue that has been a weight on my shoulder and giant wall in my finances. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Lost high salaried job in XX/XX/XXXX ( recession ) and fell behind on mortgage payments financed with XXXX. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XX/XX/XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XX/XX/XXXX, we filed for deed in lieu of foreclosure with XXXX and were approved. We had since moved out of the property and turned over to XXXX. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the City of XXXX  XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to XXXX. I called XXXX and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from XXXX. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. XXXX failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}

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 2021-04-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was trying to file a dispute with Experian because they have 2 incorrect addresses for me, as well as a spouse whom I've been divorced from for 25 years and who died 4 years ago. 

I could not get through the online process at all. Wasn't able to set up the account - had to try a couple of times. Then had to upload Identity verifying documents. So got those together and added them to upload and got an error message that the online page was not working and I'd have to mail the documents in. 

This seems like a ridiculously difficult process to correct my information. It should not be this difficult and take this much time. I honestly think they want me to sign up for their emails, etc. All I wanted to do was sign up to dispute.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-05-23
Company: Malacko Law Office
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a letter about a debt of {$77.00} for a radiology consultant. This came from a Minnesota law office called Malacko Law Office. I live in Iowa and it claims I had x rays XXXX XXXX. This is not accurate as the health organization I use sends me updates and payments through and app. The last x rays I had were XX/XX/XXXX XXXX XXXX. Then the insurance company from the man that hit me on XX/XX/XXXX accepted responsibility for all my medical bills after the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, just after my wife 's monthly paycheck of {$5700.00} was direct deposited my Bank of America account was unexpectedly frozen, as well my wife and XXXX sons ' accounts. Also, my check for {$2400.00} was deposited on XX/XX/XXXX and was also held by the bank. 
In an attempt to rectify what appeared to be a mistaken action, my wife and I visited our local Bank of America branch on XX/XX/2023. To our dismay, the branch manager informed us that they were equally puzzled by the situation. Moreover, they explained that their system was locked, and they were unable to release our funds. This was a particularly distressing situation for us because our autopay bills were set up, and our mortgage payment was due on the XXXX of the month. 
We were hoping the BofA staff can help us understand the reasons behind the account closure. Unfortunately, the bank asserted that they were under no obligation to disclose the cause, citing a disclosure we had signed when opening our checking accounts. This disclosure stipulated that, in the event that Bank of America chose to terminate their relationship with a client, they were not required to provide an explanation. 
We accept the decision to no longer be a Bank of America customer, our primary concern is the withholding of our familys funds. We are hardworking individuals ; the bank is well aware of my solid banking history, as I've consistently maintained a positive standing with them. Due to the bank 's failure to release our funds, my family and I are currently facing financial hardship. We are in dire need of our own hard-earned money that they refuse to release. It feels as if we have become victims of an arbitrary decision made by Bank of America. I was unaware of the extent of control the bank had over our earnings. 
Fourteen days have passed since our funds were frozen, and despite numerous attempts, the Risk Closure department at XXXX has yet to reach a decision regarding the release of our funds. Their only advice has been for me to keep calling.

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 2023-10-14
Company: BANKMOBILE TECHNOLOGIES, INC
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was instructed that the email and phone is not correct. I was instructed to send in a form to update it. I sent form in with tracking and proof of receipt. The bank failed to update the information. They are withholding my funds and have no way I can access them. They are all digital so I dont even have an option to go to a XXXX XXXX XXXX store. I just want to access my account.

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 2023-03-28
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. I have never done business with southwest credit systems. i have never done a credit application nor have i gave then consent to report anything. they have do not have any permissible purpose to be reporting anying on my report. for this is a violation of my consumer right according to the fair credit act. I have never done business with their original creditor XXXX i have had XXXX for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have a long standing relationship with Navy Federal Credit Union. Well over 10 years, multiple loans, lines of credit and credit cards have been issued to my name from them. 
Recently I applied to have my auto loan refinanced. I wanted to lower the interest rate. I just barely got the vehicle about XXXX mos ago and obtained financing thru a different credit union. NFCU gave me a higher interest rate compared to my existing credit union and could not expand as to why and or what was causing for the rate to be so much higher. In addition the financing term would be a shorter term compared to my current credit union. I monitor my credit regularly, all payments are on time, credit usage is low, and 100 % of payments have been on time. So I was shocked to hear that they put me towards the bottom of the interest tier when they offered me such a high interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative.

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 2023-04-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a credit card payment to the Citibank Costco XXXX XXXX XXXX ( XXXX ) on XX/XX/23 for {$12000.00}. The outstanding balance on my account was reduced by this same amount. 
After trying to use the card on XX/XX/23 the card was declined for unavailable funds. The credit card is approved for {$13000.00}. After calling Citibank I was told that because the payment on my account was so large they were going to put a hold on the account until XX/XX/23. I have made many payments in the past and the available funds on the account were available immediately. Citibank is holding my available funds hostage and there needs to be better regulations to stop this practice. Citibank has the funds but will not release the funds to my available credit. 

They also told me that they needed to make sure the funds were available in my bank account before they can can these funds available on my credit card. They called my bank while I was on hold and determined the funds were available. My bank account with XXXX XXXX XXXX XXXX debited my account on XX/XX/23 for the {$12000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 a 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 item of 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to Discover Bank and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am a consumer living on a low income and am also the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While undergoing the lengthy process of helping my daughter be approved for XXXXXXXX XXXX I applied to Upgrade to help me meet increased expenses. The company had a good review on several trustworthy sites. 

On XXXXXXXX XXXX XXXX in order to try to reduce my interest and catch up on payments, I enrolled in XXXX XXXX XXXX XXXX XXXX XXXX to help me to try to reduce my interest rate and set a reasonable amount for me to pay. The company accepted enrollment, but I do not see that the company included the payments made by XXXX, XXXX made on my behalf in my payment history. Also, the company has repeatedly billed me for payment amounts in excess of what was agreed upon with XXXX, XXXX. 

I did attempt to try to resolve the issue by filling out a complaint with the Better Business Bureau. The company responded that my payment history was available on their website. 

The information on their website is difficult to follow and only includes payments for that month, forcing me to have to undergo a time-consuming process of scrolling month by month to see what I have paid. 

I would like to have a history of all payments that I have paid to the company, including all of the payments made by XXXX, XXXX on my behalf, to be mailed to me. I should not be required to view this information on their website. 

I believe that my request is reasonable and would be accommodated by a company that is interested in meeting the needs of the consumer. I no longer trust the business practices of Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX  ), has 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 furbish 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