BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2019

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 2023-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX car loan already paid XX/XX/2022. Repossion not taken off from all three credit reports. I have sent paperwork in the mail twice. They claim that they don't have information but I have gone to bank and they do have it. I am requesting it be deleted. 
XXXX XXXX There are two accounts which I have been told no paperwork on file. 
XXXX has no longer any paperwork on this account. The only account mortage is XXXX XXXX. XXXX XXXX  XXXX XXXX has no paperwork in the computer, XXXX no account in the system.XXXX XXXX XXXXXXXX is seven years old. It has been paid. I want it deleted off reports.

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 2021-12-20
Company: CURO Intermediate Holdings
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was sent to collections but still reporting as open on my credit report. I tried to file a dispute with XXXX and they still are stating that it is accurate and not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made online purchases through XXXX XXXX XXXX, paid through PayPal. One of the items is defective and missing parts ( not as advertised by the seller ). It also contains serious security vulnerabilities which were flagged by XXXX ( see attached ). When I reached out to the seller letting them know of the defects and the security issues and missing parts, they asked that we wait for them to fix the defects, or to hire our own developer to fix them. Since I do not have the means to hire my own developer, I chose to wait. Three months later, the seller still has not fixed the issues, nor provided the missing part. So, I filed a refund, which they denied. I escalated the issue to XXXX XXXX support but was told they would not provide refunds for the defective item, to keep working with the seller. I then escalated this issue to PayPal and got an email today that my case was ineligible for PayPal purchase protection. I am now stuck with a purchased item that is defective, missing parts and has serious security vulnerabilities. Furthermore, XXXX XXXX locked my account immediately after I escalated the issue to Paypal ( see attached ). I am unable to access any of the products and services that I purchased or my billing records & statements. I really hope that PayPal will look into these complaints as I do not feel any consumers should have to settle with products that are defective, missing parts and/or not as advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NJ
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-25
Company: Experian Information Solutions Inc.
State: MO
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 XXXX Account # 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 furnish a account without my written instructionsXXXX XXXX XXXX {$970.00}

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 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir, I start to inquire about the 20 years refinance from Bank of America on XXXX XXXX, 2021, from loan officer XXXX XXXX XXXX # XXXX and he told me that I am preapproved based on the credit report profile 's debt ratio. Based on his mortgage proposal - XXXX, then I start to submit the loan application by paying {$120.00}. The loan number is XXXX. 
The XX/XX/2021 I got a rejection message that said I have " 11 % off from the debt ratio to be approved and ask me to think of cash of {$31000.00} to pay off my daughter 's student loan. He said my current debt ratio is XXXX and need to pay down to below XXXX. '' It is a big gap. I have XXXX XXXX XXXX in XXXX credit file. If he told me from the beginning for this big gap of approval, then I won't go ahead to apply it. 
I request Bank of Amwerica to refund my application fee and no any other charge for my application. No integrity at all! 
Best regards, 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 monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inquiries from Credit Report in accordance with the Fair Credit Reporting Act ( FCRA ) Dear Equifax XXXX XXXX, I hope this letter finds you well. I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and request the removal of certain inquiries from my credit report. After conducting a comprehensive review of my credit history, I have identified inquiries that I believe are no longer relevant or valid. 

As a consumer, I understand that inquiries can have an impact on my credit score and typically remain on my credit report for a specified period. However, I firmly believe that the following inquiries attached to this letter should no longer be listed : In accordance with the FCRA, I kindly request that Equifax conduct a thorough investigation into these inquiries and, if appropriate, remove them from my credit report. I have enclosed supporting documentation, such as cancellation letters, account closure confirmations, or any other relevant proof, to substantiate my claim that these inquiries are no longer valid. 

I understand that Equifax has an obligation to ensure the accuracy and fairness of credit reporting. It is essential that my credit report accurately reflects my creditworthiness and financial interactions. Therefore, I kindly request your prompt attention to this matter and a diligent review of the disputed inquiries. 

In accordance with the FCRA, I request that you provide me with a written explanation of the results of your investigation, along with an updated copy of my credit report reflecting the removal of the disputed inquiries. Additionally, I kindly ask that you notify any creditors who have accessed my report within the past six months of the corrections made to ensure the accuracy of their records. 

I trust that Equifax will handle this request in compliance with the FCRA, treating my case with the utmost professionalism and attention it deserves. I appreciate your commitment to fairness and accuracy in credit reporting and anticipate a swift resolution to this matter. 

Thank you for your prompt attention to this request. I look forward to a favorable resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIA ACCOUNT FROM MY CREDIT REPORT : 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 2023-05-09
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a checking account at XXXX ( part of Key Bank ) in late XX/XX/2022 and received a secured email asking me to upload my license, XXXX and by the time I responded the secure email expired in 6 days. and I was unable to proceed. Then I applied in XXXX and after uploading my documents I received a message asking me to proceed and create a user login but after verifying my ID I was not able to create a new login and after several calls ( not helpful and going back/forth ) I was told the the Key bank login credentials that I had from a couple of years ago were causing some conflict and they escalated the issue and after a few more emails I was told the have the issue has been resolved but that I have to apply all over again ( see the email conversation with XXXX XXXX in the attachment - start from the bottom of the email ). All of this took almost a month. So, I applied again in XXXX and again I received an email asking me to upload docs and I did that and received an email the next day saying my license image was not clear and that I should upload a better image and then just a few minutes later another email declining the application- I saw both emails later that night and before I had a chance to upload a clear image of my license. However, the email does not provide any reason for the decline or what the issue is- just a message that says " During the account opening process, our review determined that we are not able to open a savings account for you at this time '', which does not help me to address any issues on my end that may have caused the application decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: SYNCHRONY FINANCIAL
State: MO
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 paid off my XXXX XXXX XXXX Mastercard ( card ending in XXXX ) balance in full in XX/XX/2018. I noticed charges on my account afterwards and I contacted XXXX XXXX to dispute the charges. XXXX XXXX closed my account ending in XXXX and mailed me a new card ending in XXXX. I wasn't using the new card and did not receive notifications as I had set up under the card ending in XXXX. Nor did I receive a statement from XXXX XXXX regarding showing I had a balance on the account ending in XXXX. XXXX XXXX started reporting I had missed a payment on my credit card in XX/XX/2018. This is the first time I became aware of this. I've been contacting XXXX XXXX since XXXX and to no avail has this issue been resolved. They told me I had a balance that carried over from my previous card ending in XXXX which I know isn't true but customer care isn't able to see what those charges are. I was transferred to Fraud Investigations twice and still this isn't resolved. I'm in the middle of buying a home and because of this derogatory mark on my credit I've already had another creditor drop my credit card limit from {$7700.00} down to XXXX. In addition, XXXX XXXX   XXXX dropped my Mastercard credit limit from {$2400.00} down to {$200.00}. This is my final attempt to rectify this issue before I pursue legal action. Fair Credit Reporting is not being done on my behalf and there should be a special process when Fraud has happened on an account so that it doesn't impact other credit cards. I close on XX/XX/XXXX and if I'm not able to close my loan due to this issue I will be pursuing legal action. 

Thank you!

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 2023-06-26
Company: Capital Accounts, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX months ago then right after fell sick and was taken off for by my doctor and XXXX  have been off XXXX months due to XXXX XXXX  issues on unpaid FMLA! At that time I let the XXXX  XXXX XXXX XXXX XXXX XXXX  know this and that I would pay the balance due asap when I am released to XXXX. I an twice widowed, went through all of my savings while off paying my living expenses with it and my credit was ruined after my savings ran out on XX/XX/2022. I am still off all bills are behind and I have no way to get a loan or credit card or pay anyone as my score has tanked to XXXX due to all. I work for the State of XXXX XXXX  and was denied my workers comp and disability. I also provided insurance for them to try to bill all as well as XXXX while I am off work. In addition this bunch of crooks at the collection agency have padded the balance by several hundred dollars so committing fraud and are sending notice via my email instead of mail which I never gave them my approval to do!! I will not be paying the bill at all now!! This is my official CEASE AND DESIST to them and I am contacting a lawyer about suing them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through Bank XXXX XXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

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 2021-05-05
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: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am cceing here my banker at Citibank XXXX XXXX, who has been extremely kind and helpful, however hasnot been able to figure out the problem ... 

As independent XXXX, my accountant XXXX XXXX and XXXX XXXX filed all proper paperworks on my behalf, under my personal SS #, and deposited in my personal citibank account, as indicated by President Biden new XXXX guidelines, and as was PPP1 Loan processed. 

Citibank says it should have been deposited into my business account at CITIBANK, but that is NOT accurate. 



I was in the process of filling in XXXX XXXX a name change from XXXX XXXX which is name on my SS # to XXXX XXXX as on my green card and driver 's license ... maybe that is what is confusing ... 

however, since there were NO ISSUES with PPP LOAN 1, I do not understand why CITIBANK is not releasing my PPP Loan 2.

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 2021-02-11
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2013 regional Acceptance open up a car loan in my name ... I found out about it when I created an account with XXXX XXXX We I learned about I immediately file a dispute for over a year to report the fraudulent account ... but regional acceptance kept sending back to XXXX  and XXXX  the the account belongs to me ... I never had a account with regional acceptance and I shouldnt be held responsible especially by me making 15 hours a week XXXX an hour! This is so wrong how they are doing me I will like to have them supeona and have them give all the washes the was sent in telling me how much I was making

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 2023-04-05
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:
This is my tenth 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 alleged XXXX or XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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