BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
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: Account information incorrect

Complaint:
This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX  said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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:
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed XXXX XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX offers a .25 % interest rate reduction for auto payment. XXXX requires " additional identity verification '' before allowing users to sign up for automatic payments. Despite answering the online questions for identity verification I was told they are unable to verify my identity. Because of this I was requested to mail a copy of three of the following to XXXX : Driver 's License Social Security Card Passport Birth Certificate Prior Year 's XXXX All of these items contain highly sensitive that nobody with a sense of security would provide to anybody. This additional identity verification puts consumer 's privacy at risk and puts an unfair hurdle to receiving the .25 % interest rate reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third time your fraudulent institution has damage my person and personal consumer profile with an alleged debt that you are collecting that has already been proven not in compliance and unable to be verified. This account has already been removed from my consumer credit report twice but here you are again fraudulently trying to masquerade as a creditor when in fact you are a debtor and a trespasser on an alleged original consumer contract that you were never a party too. 

I am well aware of the FACT that YOUR Firm has a MAXIMUM of 30 days to PRODUCE ALL of the mentioned information in detail on the attached document, PERFECTLY without a single mark or error on even ONE of the many a multitude of items and data entries of which you MUST demonstrate to ME physically with irrefutable documentary evidence of certified truthfulness and equally of adequately accurate, complete and timely reporting above and beyond compliance. If your firm CAN NOT produce ALL of the above-noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered to me under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX and 37 other states that specifically EMPOWERS a working group to remediate and hold accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. You have 30 days from the postmark date of this validation demand to answer.

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 2019-03-12
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying for three years to dispute a credit card on my credit report. I have filed with XXXX with no results. It is Barclays Bank Delaware for {$460.00}. This is not my account. I am a victim of identity fraud. I have never had a visa or mastercard issued by this company.

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 2020-05-20
Company: Experian Information Solutions 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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF 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 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 have the checking account with Bank Of America. One of the merchant- XXXX charged me in the amount of {$88.00} after I stopped the servic. Therefore, it was unauthorized transaction. I opend the dispute with bank of america. However, Bank of America has got worst customer service that they did not even help me and pull their hands up. This was ridiculus that Bank does not even try to fight for their customer and customer loosing their 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 2021-04-29
Company: BlueChip Financial
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is a follow up complaint to a previous complaint ... # XXXX The company responded back with the same response they continued to provide to me WITHOUT ANY FACTUAL DOCUMENTATION ... .IVE ASKED THEM REPEATEDLY FOR A COPY OF MY ORIGINAL APPLICATION, to include the questionnaire that allows me to choose the dates of repayment ... .NOTHING ... By my records..BY THEIR OWN ADMISSION ... THE LOAN WAS FOR 90 DAYS. FIRST PAYMENT DUE ON XX/XX/XXXX ... .WHICH MEANS. FOR A TRUE 90 DAY LOAN ... THE DEPOSIT INTO MY BANK ACCOUNT SHOULD HAVE BEEN DEPOSITED ON XX/XX/XXXX ... ... NOT XX/XX/XXXX ... TO WHICH I CAN CONFIRM THROUGH BANK RECORDS ... I've asked them to provide the ORIGINAL EMAIL ... .DATE STAMP ... FORWARDED FROM THEIR SENT FILE DIRECTED TOWARDS MY EMAIL DATED ON XX/XX/XXXX ... .THATS GON NA BE HARD TO PROVE BECAUSE IM WILLING TO ALLOW U TO GO THROUGHT MY EMAIL ANYTIME U LIKE TO PROVE NO EMAIL WAS NEVER RECEIVED IN MY IN BOX ON XX/XX/XXXX ... .THE FIRST TRUE EMAIL I RECEIVED FROM SPOTLOAN WAS ON XX/XX/XXXX ... ..ALL OTHER COORSPONDENCE REQUIRED ME TO LOGIN THEIR SERVER AND COMMUNICATE WITH THEM THEIR ... .IM SURE THAT WAS DONE SO AS TO REDUCE THE AMOUNT OF A PAPER TRAIL AND IT ALLOWS THEM TO CONTROL THE CONVERSATIONS DATA. IM ON A FIXED INCOME ... SO ONE WOULD HAVE TO WONDER WHY I WOULD BE WILLING TO PAY 30 DAYS OF INTEREST ALTHOUGH I HAD THE LOAN ONLY EIGHT DAYS ... .WHO DOES THAT ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are many mistakes appear in my report without my understanding.

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 2020-01-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I attempted to deposit {$1300.00} ( XXXX XXXX dollars ) into my personal checking account at Citizens Bank  five minutes after the branch had closed. The ATM could not complete my transaction and would not return my cash, instead issuing me a slip that told me to contact my financial institution ( as attached ). I saw an employee still in the building and knocked on the door. He saw my struggles and told me that their software has been recently updated and had led to many ATM peoples for multiple people. He also advised me to call the number. 

I immediately called Citizens Bank 's customer service number and filed a claim with them for the missing money. I was given the claim number XXXX ( as attached ) and I was told I would hear back in 7-10 business days. 

On the following Tuesday ( XXXX XXXX ), I visited the branch and told them what happened over the weekend. They advised me that the ATM company picks up the money on Wednesdays and they would call me to let me know when the money was found. I left my name, number, and all incident information with the teller. 

On the eighth business day ( XXXX XXXX ), I went to the branch to deposit money and asked about my claim as I had received no notification or even acknowledgment thus far. The teller advised me to wait a few more days and that it would probably be posted soon. 

Today, XXXX XXXX ( 12 business days later ), I went into the branch again and asked about my claim. The teller finally pulled me aside and contacted their claims department personally for me. The teller then advised me that my claim had been denied and the matter was now closed within their company. They told me I was notified of this on XX/XX/XXXX, but I received nothing and had no idea about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to refinance a property that I purchased in XXXX of 2019 for XXXX with Loan Depot. The appraisal that was ordered was incorrect, it was not ordered for a rental property and was instead ordered as a primary residence. They also performed a drive by  refinance rather than going into the home. 

The appraisal came in at XXXX, and when I raised concern about them not going in to see the improvements that we've made to the house and that the incorrect mortgage type was ordered, also that it seems unlikely that the real estate market dropped 10 % is a year was unlikely ... they would not reorder a new appraisal or refund me for the incorrect one that was ordered. 

The customer service that I experienced during the process was atrocious, calls and emails that went unanswered. 

I called the manger but we refused to refund the appraisal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX have not gotten an update report since XX/XX/XXXX. 
I also notice on my report that there is inaccurate information on there not needs to be fixed ASAP. I have even the credit agencies notice and they have not fixed anything. 
this is effecting my job status as well as my home buying progress. I need help ASAP. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Quick overview : Rushmore Loan Management purchased my loan from XXXX XXXX XXXX  in XXXX. My loan has never had an escrow account associated with it. Without consulting me or asking me to show proof of coverage, Rushmore Loan Management set up an escrow account in XX/XX/XXXX for Hazard insurance only. It was finally reflected on my XX/XX/XXXX statement and since then Ive spent hours on the phone, and on hold, trying to get through the bureaucracy to speak with a mid-level level mgmt. person. None of the customer service representatives seemed to be able to help. No one wanted to escalate my query. Finally, in late XX/XX/XXXX. .I found a mid-level manager who gave me the name of XXXX XXXX XXXX ( XXXX ) who is supposed to be a VP, in the collection department. 
. 
These payments have not been entered properly to show the additional principal payments since XX/XX/XXXX, and my account is in disarray. 
Despite repeated calls, and leaving voice messages, as of XX/XX/XXXX, I have not heard from XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Brief description of the issue : XX/XX/XXXX : -- - I changed insurance companies from XXXX XXXX to XXXX. My insurance agent XXXX XXXX, ( XXXX ) XXXX, had my car covered thru XXXX XXXX, and provided hazard insurance thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX sent the Declaration page of coverage to Rushmore. In XX/XX/XXXX. 
On XX/XX/XXXX, I paid {$490.00} for the first installment. On XXXX paid them {$200.00} for the second installment of annual policy. On XX/XX/XXXX -I sent {$190.00} for the third installment.. ***See attached letter from Insurance Agent XXXX XXXX XXXX 

XX/XX/XXXX -- -Rushmore Loan Mgmt XXXX sent {$1700.00} to XXXX XXXX XXXX XXXX XXXX for hazard insurance. An escrow account was created. They did not contact me ( U.S. mail, phone or electronic communication ) prior to, or request verification of a Declaration page. 

XX/XX/XXXX -- -The error come to light on my XX/XX/XXXX statement. I made several calls to Rushmore Loan Mgmt. was not able to find anybody that would take responsibility. I was first transferred to the flood insurance department. There had been a one-month gap in my coverage in XXXX, which was paid for and covered by myself to Rushmore. So that eliminated that. 

XX/XX/XXXX -- -I called XXXX XXXX XXXX my insurance agent and asked him to look into it. Weve been in discussion about this for several months. ***See attached letter from Insurance Agent XXXX XXXX XXXX 

XX/XX/XXXX -- -On or around the end of XX/XX/XXXX finally got connected to a VP of collections named XXXX XXXX XXXX ( XXXX ) After several calls over several weeks, we both came to the agreement, that the escrow account was created in error by them. My last conversation with her was the early part of XX/XX/XXXX. She said she was going to correct all the postings on my principal curtailment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: MO
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 appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Incorrect information reporting on my transunion 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 2020-12-02
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:
THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE INQUIRIES ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

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. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature

Company response to consumer: Closed with non-monetary relief