BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and notice that I had one single late payment on an account that I was NEVER late for. Consumer Reporting Agencies have assumed a vital role and a have a responsibility to report Consumer information to best of their ability with Maximum Accuracy! I have NEVER been late for payments on this account ( Account Name - XXXX XXXX  ) ( Account number - XXXX  ) please thoroughly investigate and provide PROOF with statements of payments being late. If proof CAN NOT be provided I DEMAND this payment be updated to on time as it should be, as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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: Was not notified of investigation status or results

Complaint:
on the date of XX/XX/22 i submitted a complaint WIth the CFPB regarding concerns & complaints of all Inaccurate information on my consumer report with the 3 # C.R.A. Equifax, XXXX, XXXX. XXXX was the only reporting Agency to address my disputes immediately by Deleting all inaccurate information and inquires. Equifax XXXX XXXX has violated my consumer rights & the consumer law placed in place by the FCRA. FCRA # 1 ) 15 USC 1681 Section 602 ( A ) My Rights To Privacy. 2 # ) 15 USC 1681 Section 604 states no furnishing of accounts without my writtem permission & now they have violated new FCRA laws .3 # ) 15 USC 1681 ( i ) ( 2 ) ( A ) states Equifax & XXXX had 5 business days Apon receiving notice of A dispute they shall provide notification of the dispute & shall include all relevant information regarding the dispute & the Agency has received from other Consumer Agency. These requirements were not meet by Equifax or XXXX. XXXX # ) 15 USC 1681 ( i ) ( 5 ) ( A ) ( XXXX ) states any information disputed by consumer, any Item of information is found to be Inaccurate, Incomplete, or can not be verified the C.R.A shall Promptly Delete the item from the file of the consumer.5 # ) 15 USC 1681i ( 7 ) there was no method of verification given. 6 # ) 15 USC 1681 ( 6 ) ( B ) ( iii ) A description of the procedure used to determine the accuracy & completeness of information. And also the furnisher who provided such information shall be provided to the consumer by the Consumer Reporting A gency. 7 # ) 15 USC 1681S ( 2 ) ( A ) ( B ) A person shall not report any information relating to a consumer to a C.R.A if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) ( i ) the person or Agency has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ( ii ) the information is in fact inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: LA
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 disputed my personal information with transunion. They did nothing. Provided proof of identity theft and my correct address yet I still see address that arent mine resulting in account that were created by the fraudulent person being listed. 

Addresses that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, la XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
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:
This is an account with XXXX XXXX XXXX. The last payment dates and also the closed dates doesnt match across the board for all three credit bureaus. The amount shown that I owe is also incorrect. This account is a part of a class action lawsuit. The attorney General office of SC is a part of the lawsuit. XXXX has agreed to remove the accounts off of the consumers credit report. Not only has the account not been removed it is also reporting inaccurately. I have previously reach out and the account was updated to accurate which is incorrect. According to all three credit bureaus I owe XXXX. According to XXXX I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: IN
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 initiated a dispute with Experian for a collection account with a collection agency by the name of XXXX XXXX on XX/XX/2020. The dispute results shown that the account was deleted from my credit report dated XX/XX/2020. After reviewing my credit report on XX/XX/2020 I noticed the account was re-inserted and was not given notice of re-insertion of the unverified, erroneous, inaccurate and/or incomplete information being added back to my credit report.

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: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I added {$200.00} to account to cover an XXXX purchase. {$31.00} came out which should have left a balance of XXXX. The balance reflected {$43.00}, which is incorrect. I made multiple attempts to contact Cash App to correct this issue. I was told they had technical difficulties between XXXX and XXXX where transactions were approved but the amount wasnt taken from the balance. This isnt possible considering this is a prepaid account. You can only use the card when money is available to spend. The company has provided no documentation to clients to make them aware that there were any issues with the app. Agent disconnected the call when I requested to speak with a manager. I never keep money on this card and only add money when Im making a purchase. I will add the amount to cover the purchase, and Ive been doing this since this account was created. Theres no reason my money shouldve been taken out of this account. I want a refund and then I want to close this account permanently. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Southwest Recovery Services, 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: Their investigation did not fix an error on your report

Complaint:
I have filed multiple disputes over the last 2 years with XXXX and XXXX requesting verification and the removal of the Southwest Recovery Services. Credit Bureau disputed were filed XX/XX/XXXX and XXXX XXXX. They continue to send results back the account is verified even though I do not owe Southwest Recovery Services {$4200.00}. On XX/XX/XXXX I reached out directly to Southwest Recovery Services and requested debt validation and they too did not validate the account nor the accuracy of the reporting in their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CITIBANK, N.A.
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 was scammed by a person via XXXX after I was threatened with jail time and court for an old debit. Citi bank refuses to give me my money back even though I don't know this person and it was a scam. This happened on XX/XX/2023 at XXXX pst.I called Citi customer service and they refuse to return my money.

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 2020-09-22
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Beginning XX/XX/XXXX I sent in a debt validation letter to the collection agency and the original creditor. Debt wasn't verified and was supposed to have been deleted from my credit report. Collection came back as verified. Sent a method of verification letter to both the collection agency and original creditor. Information was not submitted in a timely manner. Collection agency deleted from my credit report but not original creditor. On XX/XX/XXXX sent out another round of dispute letters and it's still coming back as verified. No method of verification of debt has been received as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Us Bank has an issue with their online bill payment systems which is leading to unfair late payment fees being charged to consumers. Currently the US bank lease systems are not set up in a way which allows their online website system accessible to customers to sync up to date information to their backend payment systems. 

In my personal example my lease payments were set up on autopay for US bank to be debited out of my checking account on the due date. US Banks systems have not debited the information out of my checking account despite their customer website designating that autopay is turned on for my account. When I spoke to a representative on the phone, the associate stated that their back end systems do not show autopay set up for my account at all. He mentioned that their back end systems do not sync with the online accounts and that it has been a problem before. 

I believe that US bank has a an issue with with their computer systems where the autopay setup information on their customer facing website doesn't sync on a timely basis with their back end payment collection systems. I believe this has caused me to be charged late fees in error and must be affecting other customers with similar issues. I believe this practice to be predatory in the sense that it stems from a lack of willful understanding of modern systems.

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 monetary relief
Consumer complaint received 2019-06-21
Company: Continental Finance Company, LLC
State: MN
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:
I have had a XXXX mastercard for a considerable length of time longer than a year. I called several months ago to ask why my payments are not being credited to my account promptly with several small and submitted payments not being credited for upto three weeks time. They attempted to point the finger at my bank, XXXX and their bill pay service. I assured them that they were issuing payments and the problem was on their end by not crediting promptly. 


When the customer service person was not able to make any other suggestion, she agreed that she would waive any fee related to dishonored payments if I went to my bank and cancelled the outstanding checks that had been issued though not credited to my MC XXXX XXXX XXXX XXXX at their company. 

Of course all the payments they claimed not to receive were finally credited to my account several days later but then dishonored when presented back at XXXX because stoppage had been arranged at the suggestion of their agent on a recorded line. 

To their credit they did return the returned payment fee as agreed when asked, but then began a campaign of lying on still recorded line about the status of my account. 

I was told a hold on the account had been placed that would be removed just as soon as I paid the balance in full with certified funds. I was told this on multiple occasions despite the fact that they had already closed my account and had reported the closure to the credit bureaus as well. 

I do not believe an institution should be able to lie straight to the face of this consumer or any. 

In addition to closing an account that has had a stellar record of payment, they jacked up the interest rate north of 30 % ( 31.24 % ) and continue to charge a $ XXXX   monthly account maintanence fee despite the fact that the account has been closed by this party and is not being maintained.

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 2020-11-26
Company: Experian Information Solutions Inc.
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:
remove all the FTC or FCRA vioaltions quit putting back in another name : this item was taken off 3 previous FTC violatins XXXX XXXX XXXX Account XXXX Account TypeCollection XXXX  Date XXXX2020 StatusCollection account. {$1900.00} past due as of XXXX 2020. 
Status UpdatedXXXX XXXX attach will prove of the above statement all FRCA vioaltins they didnt even notify me before they put it back on law requires them to do so

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 2023-05-20
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:
I received an emailed about my information being the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 USC Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX {$550.00} XXXX  XXXX XXXX XXXX {$660.00} Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: Continental Finance Company, LLC
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: Problem with customer service

Complaint:
On XX/XX/XXXX I received a call from Matrix Card Continental Finance saying that my card payment is past due. I pay my cards every month on time. She said it was the {$12.00} monthly fee and she would only take payment on the {$12.00} fee for XX/XX/XXXX and also for XX/XX/XXXX and a late fee for a total of {$35.00}. This is absurd! When I try to use the card most vendors do not take it. It is extremely embarrassing to give a vendor your card knowing there is NO balance and it being declined. In speaking to the customer service rep she gave me attitude and we had it out. I told her I would pay my bill online. When I went online I was unable to access the account and after speaking to a new customer service rep she too was unable to access or allow me into the system. I am not exactly sure why I keep it open other than to allow my daughter to use it. THIS IS ABSOLUTELY THE WORST CREDIT CARD! After being told I would have to request the account be reinstated and a new account had to be started, that was all a lie. I paid the fee and all they did was reinstate the existing 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 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The terms and conditions changed regarding removal of PMI. It was XXXX and now XXXX to remove the PMI. Bank of America can see this in the letters we received for the same request to remove the PMI. XXXX letter stated XXXX in XXXX. The new letter stars XXXX to remove the PMI even though the market say the property value is XXXX more than the appraisal.

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 2023-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected. There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not. If this matter is not corrected promptly I will pursue legal action in court according to Texas state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 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 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 crime which antedates the report by more than 7 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 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 2023-01-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX  Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had XXXX late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: LAND HOME FINANCIAL SERVICES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am requesting that XXXX  be removed from the loan. I have gone through the process and paid the fee. They refuse to even review the info provided in a sensible manner. Dates are as follows : XXXX submitted information, application and check. On XX/XX/XXXX they rejected review for no founded reason but did cash and deposit my check. I escalated and they said they would immediately revisit the situation. I have received apology letters from them now on XXXX including emails from leads and supervisors on XXXX, XXXX. I see this as a ploy to keep my XXXX  fees intact. Costing me every month they delay the process. My home value far outweighs the balance of the loan.

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