BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: IA
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:
On XX/XX/2020 I sent a dispute to Equifax about two medical collection accounts : 1-XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX I informed Equifax that this collection agency was in violation of the HIPPA Law by reporting medical information on my credit report. 

I sent the same information to the two other credit reporting agencies : XXXX  and XXXX and they replied that they had deleted those medical accounts form my credit report. 

Equifax, does not even bother to respond. It has been more than 45 days and uo to this day, they have not replied to my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have multiple transactions I disputed with Wells Fargo and they told me to wait 10 business days. I have waited over that period and the money is still not credited to my account, further they said I withdrew the claim ( I did not ) and that I am unable to open another one until this is processed and they can not give me an estimated timeline. The amount for this claim is {$1000.00}. The claim number is XXXX. 

Further the companies charged me on XX/XX/XXXX and XX/XX/XXXX for over {$700.00}. 

I have a XXXX XXXX XXXX child and this is over {$1700.00} I have been trying to work with Wells Fargo for 2 weeks.

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 2019-10-09
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX, I received an email that my card account was closed. I called Discover customer service and they stated it can not be reopened and was closed due to inactivity. They attempted to transfer me to XXXX XXXX, who was closed and hung up on me. I called back was provided the number to that department directly. I called once they opened and was told the account could not be reopened. They stated it was closed on XXXX and a letter was sent that day advising me of same. The email I received on XXXX states it was closed effective the date of the email. Im receiving conflicting and wrong information from them. I just want my account reopened. Theyve closed it without notice which is bad business. 

Im a young consumer purchasing my first home. Closing my credit card can be harmful to my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not 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 2023-05-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following hard inquiries currently listed on my Equifax credit report is fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: GA
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 is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: CT
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: Problem with personal statement of dispute

Complaint:
Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, XXXX, and equifax ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

1. XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

2. XXXX XXXX Equifax is reporting a past due on a collection. I read this is A violation of thr FCRA. 

3. USDOEXXXX XXXX XXXX and equifax are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

4. US DEPT ED XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages 5. US DEPT ED XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and equifax is reporting activity after this account was Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: NV
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 want to file this complaint to EQUIFAX. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: National Credit Adjusters, LLC
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:
XXXX XXXX XXXX and national credit adjusters did not validate the debt and can not report on my credit over 30 days ago. I requested both debt collectors to validate that they have not responded. 
I disputed it with XXXX and they ignored the fact they are in violation of the fair debit collection practice act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I noticed some inaccurate inquiries on my credit report with Transunion. I called them and they advised that I call the companies to request a deletion letter & to file an FTC report. The companies declined to do so. However, I did file an FTC report. I sent the report certified twice to the provided address and Transunion is still stating that they do not have record of it. The same person signed for it on XX/XX/XXXX and XX/XX/XXXX. I have called numerous times within the last few week and I am unsure what to do next. I have spent money sending mail certified and cant continue to do that.

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 2018-05-01
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX til XXXX incurred debt wIth XXXX now known as Navient fro private student loans. XXXX XXXX and XXXX XXXX Tried to resolve issue today XX/XX/XXXX with Navient customer service rep in regards to private student loans. Navient rep stated to me that I owed {$150000.00} in private student loans and proceeded to give me the colleges and amount taken out. Which I wrote down for my information. He then stated that I have never made an attempt to make a payment when one of my co signers stated he did and it was taken care of. Navient rep proceeded to ask me why I never made payment and I told him why and he made a statement of we don't care and this a substantial amount you owe so all we want is our money and you need to pay {$250.00} per month. I told him I could not afford it at this time due to health issues and he basically told me he doesn't care nor does Navient, and Navient wants their money. He also made a statement of if you don't take care of this today and keep ignoring us you will have consequences and basically be put in a corner you will not like and have to abide by our rules. Remind you I called them today to try to resolve the issue. He the proceeded to tell me my cosigner will have to sign a waiver which he did not explain what it was for and also said cosigner will have to pay XXXX to resolve the issue then I can be put on a payment plan of {$250.00} per month. and that was the best he could do. He also insisted that I call my co signer. I asked him if there was any program that would assist me in paying them back and his answer was you have to make the {$250.00} payment you have no other choice. I did asked on multiple occasions during the phone call about the Navient programs with loan repayment and the rep ignored me and proceeded to threaten me. I did also ask him why I didn't see the private loans on my credit report and his answer was those are federal so it has nothing to do with us. He also lied to me, the borrower about requirements for releasing co-signers on their loans so I could take care of my loan with out explaining the details and leaving me in disarray and fear that I would be sued due to no compliance when I did ask about programs offered for lower income families. He was rude and adamant on me paying the $ XXXX/month and calling my co signer to pay the {$5800.00} before any one would help me out with my private loan. He then proceeded to threaten me again about not paying my loan and belittling me. I received no solution to the issue but threats and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wanted to raise to you a very problematic business practice being used by Bank of America with its customers. Today, I received an email ostensibly from Bank of America asking me to call into a XXXX number to provide all sorts of sensitive information about myself like SSN, date of birth, etc. The XXXX number did not match any public number for Bank of America when I XXXX that. At first, I assumed it must be a phishing attack. So I called Bank of America 's legit customer support number, and I told them about the email. As it turns out, it is a legitimate email from Bank of America. You might think, ok, so what is the problem then? The problem is that scam artists out there can very easily copy this sort of email and practice, and do the exact same thing Bank of America is doing, but instead, tell the customers receiving the communication to call into a scam number and provide their sensitive info to the scam artists that way. 

This practice by Bank of America has to be investigated and changed. Bank of America is putting their customers ' sensitive info at risk. Bank of America should not be sending emails out of the blue, unsolicited, asking customers to call in and give their SSN!! In this day and age, Bank of America should know better and they should have a more sophisticated and secure way of collecting and verifying their customers ' info. 

Can someone on your team please investigate this? I am happy to provide a copy of the email I received.

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 2023-07-19
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in an accident XX/XX/XXXX. At the time of the accident my car note was paid in advance 2 and a half months. I also had gap coverage, through XXXX. The car was also paid off through my insurance company XXXX, XX/XX/XXXX. I have email confirmations from Flagship Credit Acceptance showing a XXXX balance due for the month of XXXX XXXX and XX/XX/XXXX. Then XX/XX/XXXX I received a statement showing $ XXXX due with the amount increasing in XXXX to over {$800.00}. Flagship Credit Acceptance Final act was to erroneously report $ XXXX due to the credit bureau 's which was not the case because XXXX had paid off the loan XX/XX/XXXX. I sent several emails to FCA regarding the gap coverage. I last made contact with XXXX credit acceptance Thursday XX/XX/XXXX when I was forced to pay {$220.00} so that I can show a XXXX balance to the mortgage company in order to meet loan program requirements. Flagship Credit Acceptance business practice has negatively impacted me in many ways I've asked them on numerous occasions to send me customer service notes and account history only to be disconnected from the call, request for documentation denied, canceled or ignored with refusal to connect me with management, call disconnected. The deceptive business practice of Flagship Credit Acceptance and false reporting to the credit bureas is a contribution to me having a higher interest rate on my next car loan and of course has negatively impacted my credit score. I received numerous calls harassing me for money not owed, only to be ignored and spoken to in loud aggressive tone by their employees, so aggressively, I asked the agent why she was upset when I was the one who was negatively impacted by their poor business practice. XXXX was the only employee who was cordial to me on the phone and prior to me making payment of the erroneous debt, at least made an attempt to explain me the erroneous debt as late fees and or interest and confirmed he saw nothing owed. 
Advising it's typically a late fee or interest due that Flagship Credit Acceptance is looking for. XXXX did offer to wave the fee but said it will take some time as he would need upper management approval which I don't have time for as I'm now in a crunch and must have proof of this erroneous debt ipaid off so I can move forward with my mortgage loan. I have emails back and forth with Flagship Credit Acceptance since XXXX. Your assistance in gaining resolution is greatly appreciated. For transparency I had a 30 day late. XXXX and XXXX of XXXX I then caught the loan up, paid in advance and paid extra on the loan each month and can also show higher monthly payment prior to the accident. This will be captured in my payment and accounting history once received, and according bank records

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 2018-05-13
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Dear Officer, I'm writing to report problems experienced with XXXX XXXX. I found that they are giving inadequate notice for balance due, which led to unnecessary late payments ; also their rewards program is unfair to the consumers. 

In XX/XX/2017, I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself online, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points.I found it appalling, because they have my cell phone number and email on file, yet they failed to send me any notice before treating it as late payment. 

Another thing that bothers me is that Barclays keep renaming and changing its program ( from XXXX XXXX to XXXX, and to XXXX XXXX ), and the reward terms are getting worse. It appears that they have increased the redemption threshold to XXXX points, which forces the customers to keep using their card, even though the card features were no longer competitive. 

Please advise, really appreciate your help

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 2023-05-25
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX Account number : 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 non-monetary relief
Consumer complaint received 2023-05-25
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: GA
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 had several incidents of theft of personal identity items throughout the past years, birth certificates, social security cards, and IDs. I have endured years of fraudulent accounts being opened in my name during various timeframes. Several accounts have appeared on my credit report and I have relentlessly did everything in my abilities to communicate with all credit bureaus to have these items identified as fraud and be removed and even after supplying information of the police reports and criminal investigations that have been filed my credit file remains inaccurate and all 3 credit bureaus have failed to remove these inaccuracies. I am highly upset at the amount of inaccuracies that remain displayed on my credit file. I wish to have this matter resolved and removed immediately. Documents are attached to this complaint to support the multiple incidents of identity theft.

Company response to consumer: Closed with explanation