BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: KY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: GA
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:
( this is not a third party ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I demanded to see verifiable proof ( an original consumer contract with my signature on it ) that they have on file for the account listed below. They failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of verifiable proof, they must remove the account listed below. The list of collection that are reporting has not been opened by me and I have no knowledge of them. By law I have the right to PRIVACY and you the credit reporting agencies have violated itthe list of accused collections account and dates are as follows : XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX XXXX  XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting The Congress makes the following findings with banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies added reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consume, with regard tot eh confidentiality, accuracy, relevancy and proper utilization of such information in accordance the requirements.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
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 writing this letter to dispute the inaccurate reporting of a charge-off account, XXXX XXXX Account XXXX XXXX, which is negatively impacting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports from both Experian and XXXX, I discovered that the reported dates of last activity differ, with Experian stating XX/XX/ and XXXX stating XX/XX/XXXX Such conflicting information raises serious concerns about the accuracy and reliability of the reporting. Furthermore, I have reason to believe that the furnisher of this information, XXXX XXXX, is an unreliable source. Under 15 USC 1681 ( e ) ( b ) of the FCRA, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in consumer reports. In addition, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information provided by a consumer reporting agency, the agency must promptly investigate the dispute and, if necessary, modify or delete the information accordingly.

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 2022-08-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Relevant Information Provided for Complaint Resolution Purposes ( Only ) : My Full Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | Last 4 of My SSN : XXXX Truist Bank Checking Account No. : XXXX XXXX XXXX XXXX XXXX. : XXXX ATM Information : XXXX, NC ATM Location : XXXX XXXX XXXX, XXXX, NC XXXX Name of the ATM/Bank at the time of ATM Deposit : BB & T Bank To Whom It May Concern : My Complaint relating to ATM Check Deposit of my XXXX XXXX  Insurance Settlement from a house fire I had. The check is still pending in my account that yet was deposited over two years ago on XX/XX/XXXX. I didnt know the check required two signatures and the bank will not send the check back to quicken loans and quicken loans will not sign the Truist Bank document necessary to have the funds released by Truist . Please help. My home kitchen is still in disrepair and this has gone too far for too long. I need the funds badly. The Amount of XXXX XXXX house fire insurance proceeds check I deposited at BB & T ATM on XX/XX/XXXX was {$7500.00}. The Check Amount Still Pending deposit in my Truist Bank Account to this date is {$7500.00}. The date of the ATM check deposit transaction was XX/XX/XXXX. The main issues is that only my signature was on the check when I made the ATM deposit of the check. I dont recall the time of the transaction. I used my BB & T ATM Card to begin the ATM check deposit transaction. I have complained to both the bank and quicken loans numerous times but there has been no resolution as neither party will do much to engage the other party. I am due two years of interest on my funds. I am not getting an attorney involved. Truist Bank Wont Release my funds without the second Signature. I am owed interest at this point too. These insurance check proceeds have been a pending deposit in my checking account for over two years now. 

XXXX XXXX XXXX Contact Phone # ( Mobile ) : XXXX XXXX Physical Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC, 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 2023-08-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXXXXXX XXXX XXXX appears on my credit report. This was listed under Identity Theft Report that was supplied to all major credit bureaus with an attached police investigation report, they signed and certified identity theft.

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 2023-04-19
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan with Upgrade Inc located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, tel : ( XXXX ) XXXX. The total amount to be financed is {$17000.00}. The loan application # is XXXX. I called today to cancel my application and the loan and emailed them my request as well, however they told me it's too late because the funds are in process. They told my {$12000.00} is being funded to my credit card company ( XXXX XXXX ) and {$1400.00} to my personal checking account. I had XXXX  XXXX representative XXXX on the phone with me while speaking to XXXX at Upgrade Inc who told her XXXX XXXX may not be able to return the funds back to them. I kept telling them I don't want the loan any more and the representative by the name of XXXX told me its too late and its not possible to cancel. I told them I don't want the loan anymore and she kept refusing to cancel the loan. They also said that once my credit card company receives the funds that XXXX XXXX get send it back to them but my credit card company already said its not guaranteed that they will send it back to Upgrade Inc . When I told Upgrade I was contacting the Consumer Financial Bureau she finished up the call and told me to have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 non-monetary relief
Consumer complaint received 2023-05-04
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX No info provided to verify debt. Item place on credit report on XXXX with out my knowledge. Disputed with collection the credit bureau. Account stillto not verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-02
Company: EQUIFAX, INC.
State: IA
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:
On XXXX XXXX, 2017, Equifax returned an answer that said debt collection owed by my ex belonged to me. This was a total of XXXX collection accounts that showed up on my credit report and their failure to correct is keeping from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 first 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 XXXXXXXX Balance : {$2500.00}

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 2023-04-19
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My {$4900.00} in CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. Cash App is not providing the email of XX/XX/2023, which they are alleging to have sent me. Ask Cash App to send me the alleged email of XX/XX/2023, via CFPB This complaint has new information. Do not close this complaint as Duplicate. My phone # is XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My insurance went up. i reached out and priced some other options. I found a better policy. i setup a payment with the new policy. i sent the new policy over to freedom mortgage. they then paid the old policy which i had cancelled. then they paid the new policy which i had paid. when i called them to get this corrected they informed me it was my responsibility to resolve the issue on my own and that i was negative in my escrow now due to them paying XXXX insurance policies and also had to pay them too

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 2023-04-19
Company: EQUIFAX, INC.
State: AZ
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 submitted a dispute to all three credit bureaus about XXXX funding acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2022-04-05
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On or about XX/XX/2022 I called Pen Fed customer service line to inquire about the balance that was showing on my Pen Fed Credit card because the previous 2 month I had made a {$300.00} payment. When I looked at the balance from the balance transfer the bank had only applied {$42.00} to my balance transfers. When I spoke with the customer service rep he told me that the bank use an algorithm to do the allocations of funds and that I did not have a choice as to how the payments were applied. He stated that if I made the minimum payment and waited until the billing cycle closed and made the payment for the outstanding balance the balance would be paid off so that was what I did, only to find out when I get the statement the following month it shows that I had a cash advance in the amount of {$92.00}. I then call back and spoke a different rep and was told the information as the previous rep stated so I ask to speak with someone that could fix the problem. The rep did forward my situation to a supervisor. The supervisor got back with me that same day and told me that the only thing that she could do was to refund the interest that was charged to the account and in order for me not to pay any interest I would have to pay about {$380.00} and that would have cover the cash advance balance. 

As I was talking to the rep I research the rule for this issues and it states that the card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment. During the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances. Pen Fed did not do that as stated by Consumer Financial Protection Bureau XXXX XXXX Allocation of payments.

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 2022-08-18
Company: EQUIFAX, INC.
State: SC
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:
Every time that I dispute this item with the credit bureaus, XXXX XXXX makes updates to my accounts resulting in a credit score drop of XXXX points or more. During my last dispute that illegally re-aged the account by changing the date of first delinquency resulting in a credit score drop and as of today they have changed my payment history to reflect serious delinquency resulting in my Equifax score dropping XXXX points. The account has been closed for over 2 years and sold over a year ago. Quite honestly, I'm sick of them and the petty games they play every time I exercise my right to challenge INACCURATE items on my credit report. Their actions are illegal and if I must keep enduring their attacks every time I challenge their INACCURATE reporting, I will have no other choice but to issue a notice of pending litigation seeking relief and monetary damages under the FCRA Section 616 & Section 617. 

On XX/XX/2019 I was 30 days late on a payment. They changed it to 60! How could I be 60 days behind when I was in good standing on time, the prior month? After XXXX, the subsequent months were then changed until i was " 120 '' days behind in XXXX. THIS IS FALSE REPORTING

Company response to consumer: Closed with explanation