BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: PA
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:
Greetings, I XXXX XXXX am writing to expunge the following information from my profile. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, has a late fee policy that is gauging and loan sharking consumers by applying high late fees and on top of the late fees 29 % interest on the late fees, a double penalty to the consumer. These fees are incredibly higher than what mortgage company charges. Worst all, the customer service reps ( CSRs ) are measured by the number of fees they " do not '' remove and the number of " courtesy removals '' not applied. Upon these CSR reaching their goals, they receive bonuses that those bonuses are greater in the executive management hierarchy. Just look at these companies SEC filings!

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 2023-06-12
Company: EQUIFAX, INC.
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 submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The accounts attached in the file are medical related accounts that do not belong to me. These accounts are extremely damaging to my credit score and I have been denied credit due to MEDICAL accounts I do not owe and do not belong to me. This violates the FCRA, HIPAA, and even if the accounts belonged to me, this would be a Breech of Security due to the fact that medical information were released to third party companies. THat would be a Breach of Security! Please remove these accounts as the Original Creditors nor collection agencies are able to provide documentation or a contract showing that this debt belongs to me. There are no wet signatures or contracts under my name that say I owe this debt. This could belong to another XXXX XXXX. Please REMOVE THIS IMMEDIATELY as it is a {$1000.00} fine for each violation I DO NOT CONSENT TO XXXX or any other automated verification system! If verified, please provide names, contact information, and actual documents used to verify!

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 2021-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I, consumer, entered into a consumer credit transaction with, XXXX XXXX and XXXX XXXX. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and XXXX XXXX  failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
( 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 TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$29000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Webcollex, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Just got a letter from:Webcollex LLC DBA CKS Financialoriginal creditor: XXXX XXXX XXXX Brand:  XXXX XXXX XXXXsaying I owe $XXXX, but This was part of identity theft that happened in XX/XX/2014 and I filed a police report and FTC report, but these people keep going after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: MARINER FINANCE, LLC
State: PA
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:
Loan was for {$2500.00} balance is showing {$4200.00} because they included all the interest i would pay for the term of the loan. Furthermore, it makes it look as though i have more credit than i truly do. I contacted XXXX and they claimed this is how they report. I question if its even legal??

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 2019-01-15
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the collection company three letters of validations regarding this, pursuant to 15 USC 1692G SEC. 809 ( B ) of the FDCPA. They have refused the certified letters the three times. I called over the phone and also requested a validation letter. They have not done so. 
They damaged my credit and the longer they don't respond, the longer my credit is being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/19 I reported card stolen at Costco member services. I got a new card between the dates of XX/XX/2019 I actives the new card. The card that was sent in the mail had my new picture and the same card number and card numbers on the back. When I got my card in the mail I activated it. There was 2 cards that where active. I went to make a police report on XX/XX/19 like Citi bank advised but the police advised me to go to Costco. On XX/XX/19 I went to Costco and spoke with XXXX  a manager at the XXXX XXXX Costco. She printed a report of my membership and it proofs that I reported it lost to XXXX XXXX on XX/XX/19. She told me that membership manager named XXXX XXXX would call me but, I haven't received a call. My case manager at Citi named XXXX XXXX asked me to provide my login to my account and I refused to give that information given the state I was in with my account. She referred me to call their main line. After making efforts to contact her she screamed at me and told me that she sees these type of cases all the time where people charge the account. Her tone was biased and did not properly investigate my case. 

The amounts total {$2400.00} from dates XX/XX/19- XX/XX/19.

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 2019-09-10
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX	XXXX XXXX XXXXXXXX XXXX, Missouri XXXXXX/XX/XXXXDear Attorney General,I am writing this letter to implore your assistance in resolving the inaccurate reporting of the accounts below on my credit report:Account Number					Account NameXXXX					XXXX XXXX XXXX XXXXAccount Number					Account NameXXXX					XXXX XXXX XXXX XXXXAccount Number					Account NameXXXX					XXXX XXXX XXXX XXXXI have disputed each of these accounts, with the Equifax credit bureau, on several occasions, for several DIFFERENT inaccuracies, only to have received a ’canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” each time. On XX/XX/XXXX I sent a request to XXXX for ‘’a description of the procedure sed to determine the accuracy and completeness of the information’’, as per my consumer rights, and as per the FCRA Section 611 (a)(6)(B)(iii). I did NOT receive any response from XXXX.On XX/XX/XXXX I sent a 2nd letter to XXXX to requesting a description of their reinvestigation procedures used to determine the accuracy and completeness of the information, as per my consumer rights, and per the Fair Credit Reporting Act Section 611 (a)(7). The FRCA allows the consumer reporting agencies 15 days to respond to my request. The 15-day period has ended over 2 weeks ago, and I did not receive a description of the methods used to verify these accounts. Instead, I have received another ‘canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” I am asking for your help to correct my credit report, by deleting these accounts. My husband and I are trying to financially prepare for home ownership by Spring XX/XX/XXXX. This is hindering us in our goal for financial independence and home ownership.I have enclosed a copy of the certified mail receipt to confirm Equifax received my letter, copies of my letters to Equifax, and copy of their response to my requestsThank you for your assistance.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the pandemic they told me if I didnt pay in full I would lose my home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have 2 credit cards with limits over 6k, an excellent credit score, and I decided to go with a Citi card for my work expenses ( big mistake ). I was approved with only XXXX limit, this is not even enough to pay bills for a month if necessary. I was told that I had to wait 6 months before asking for a credit limit increase. I paid my card off in full every single month, and waited the suggested 6 months and was denied. I inquired about why this happened and was told that they don't have answers. I finally got to a manager who tried to put through a request again and all they said was that I haven't had the account long enough. I explained to them multiple times that I was told 6 months and now the agent was telling me 12 months. I asked what I needed to do to get approved and they would not give me any answers. I asked if I needed to go elsewhere and was told to " do what I want. '' I checked the BBB rating for Citibank and quickly realized that they have an F rating. I do not understand how a major banking institution could possible be so successful when this is how they treat their loyal customers. I will be informing everyone I know about how terrible and unhelpful this bank is.

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 2021-11-08
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquiry reporting on my Credit Report : XXXX Inquiry Date XX/XX/2021 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: MA
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:
I sent 2 letters to Experian asking them to verify 4 derogatory accounts on my credit report. The first letter was sent in XXXX and the second letter was sent in XXXX. Experian failed to respond to both letters. I attached the signature receipt from Experian for the last letter that I sent, which was XX/XX/22.

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 2019-01-15
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was served papers of my debt. I called debtor to resolve. they had me sign an unfeasble paymeny option or I would be taken to court and sued.i felt under pressure. I actually satrted to feel anxiety. I then asked if I/We could make an payment arrangement and was denied. Now I HAVE TO PAY IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these people call you twenty times a day on all my phones burning up my minutes 1. XXXX 2.  XXXX 3. XXXX 4. XXXX 5.  XXXX is their any way they will stop calling they call me about the irs warrant for my arrest student loan idont have a student loan. 3.health insurance with XXXX XXXX 3 times I have called them about the birth date being wrong never gets fixed near. then their is the fireman ball or policemans fund. XXXX XXXX XXXX  credit card fraud you have to have a card first to have fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: The Receivable Management Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Receivable Management contacted me in XXXX, in reference to a debt owed to XXXX XXXX. I stated to the collections company to stop contacting me, due to the fact I do not owe Receivable Management monies. They area third party hired to collect on a " paper '' debt from another company in the amount of {$130.00}. I specified to " XXXX '', there is not a debt owed to Receivable Management by me, due to no contract. By law, there is no documentation in which services was rendered or provided through a written contract in which there is a debt owed. The agent " XXXX '' stated to me it will show on my credit report and cause me to not be able to apply for credit. She continued to raise her voice after I stated her contact was illegal in that tone. There was another call 2 days after from a male agent who insisted on forcing me to make a payment plan for the XXXX. I do not owe any monies to Receivable Management and the agent told me that was a lie. I continue to get multiple calls even after advising them to stop.

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 2021-11-08
Company: EQUIFAX, 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:
Complaint : ( XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

Equifax must remove all information reporting from and relating to ( XXXX ) including third party debt collection accounts associated with ( XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX Equifax Account # :XXXX Account Type : Revolving Account Type - Detail : Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened:XXXX Balance : {$0.00} No. of Months ( terms ) :0 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Last Reported:XXXX Comments : Account transferred or sold Charged off account Date Last Active:XXXX Date of Last Payment:XXXX

Company response to consumer: Closed with explanation