BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at XXXX we received an automated call from RSI ENTERPRISES requesting a call back to XXXX about a debt collection. At XXXX we called and spoke to operator XXXX to ask for our number removed. Unfortunately she could not pinpoint the number as the automated call did not dial our main numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This Credit Bureau is reporting incorrect Bankruptcy Chapter XXXX to my credit report. The information is wrong and this file should be removed from my credit report. I tried to request this credit bureau SEVERAL times as the other credit bureaus cooperated very easily. This credit Bureau stated the Bankruptcy is verified as accurate and remains. I then contacted the US Bankruptcy Court and ask them what is being verified or what are they reporting to the credit bureaus. 

I have attached a letter from the US Bankruptcy Court agreeing the credit bureau 's information is incorrect and should be removed. The court stated in this letter, it's my right to request this credit bureau to remove this incorrect info from my report. 

I expect this credit bureau to remove this Bankruptcy XXXX file in 30 days, or my lawyer will request to handle this in court. My lawyer, the XXXXXXXX XXXX  XXXX and myself are waiting for your response, as we are ready to take legal actions is this is not removed within 30 days. 

I also have other supporting documents requesting this to be removed from my credit bureau, that the court attached. However, I am not going to include them, as it has my personal info on them and i do not wish to upload them for my own privacy.

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 2019-08-30
Company: EQUIFAX, INC.
State: IL
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 is being reported on my Equifax report and the balance doesn't belong to me. This debt does NOT belong to me. i would like this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I used a 0 % balance transfer offer from my US Bank Visa card in order to spread out a {$4000.00} bill. ( I paid the transfer fee of XXXX right away and paid each month thereafter to shrink the balance. ) The monthly bank statements stated EXPIRES WITH STATEMENT XX/XX/2021, which struck me as vague -- no actual due date. I thought the balance due would be owed once I received my XXXX statement. Thankfully, I called and learned that the balance was actually due by XXXX XXXX. Had I waited for the XXXX statement, I would have owed hundreds in interest fees. 

I feel it is very deceptive to include the vague " expires with statement '' phrase. The bills should include an actual due date, unless the bank is purposely trying to trap people into owing fees.

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 2022-10-04
Company: M&T BANK CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Manufacturers and Traders Trust Company XXXX M & T XXXX XXXX, NY XXXX My account was closed in 2021 and I was never informed. I had about {$13000.00} total in my checking and savings account which were never sent to me. I called M & T bank several times to inquire whereabouts of my check and none of the XXXX or supervisors were able to help or locate where the money went. First time I called they assured me that the check has been dispatched and I would receive it in 10 days. That was XXXX22. Check never arrived. I called again a month back and again they assured me that the check would arrive in 10 days. Still no check. I called XXXX2022 and the supervisor ( XXXX, did not provide last name of XXXX number ) I spoke to could not locate any record of the check or even my account and how much funds I had. So far they have been dodging me and transferring me around to new XXXX agents who could not help.

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 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Notified company of reopened XXXX XXXX bk case -- still reporting as delinquent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I have reported this account for a year it has been removed from XXXX and XXXX this account need to be removed from XXXX Violation of CFR 313.7 ( f ) Violation of 15 USC 6802 ( 2 ) ( b ) Violation of 15 USC 1681b ( a ) ( 2 ) Violation of 15 USC 15 USC 1692e ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My daughter car was repossessed in XXXX of XXXX  and which I co-signed for. Before that she had tried to work something out but never did. The next week it was repossessed. We were going to get it back but later found out they shipped the car to XXXX, Georgia after we were told that her car would remain in XXXX, Florida. She picked up a small portion of her belongings from the tow company and had so much more inside of her car. Until this day we do not know what happened to her belongings. There was a lot of value in there and nobody seem to know where what happen to her items. The car was sold and they're still requesting we pay {$13000.00}. It's not fair for us to pay that amount and on top of that they lost her items. She had several pair of shoes, XXXX, and that's just to name a few of the items she had in her car. I do not have the money to pay for this and neither does she. Even though I have a car loan with them after the fact but I still think this item need to be removed from my report. Please Help us with this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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 is missing that should be on the report

Complaint:
I Have disputed the accounts multiple times since XX/XX/2021 but they still have not deleted the inaccurate accounts neither have they done a reinvestigation to show a notice of dispute for any of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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:
Equifax is still reporting a hard inquiry from XXXX XXXX and I filed reports with all 3 major credit bureaus as well as with XXXX XXXX that this was fraud. This happened in XX/XX/2018. Someone in Alabama opened up credit accounts in my name ( I've never lived in Alabama ) with XXXX XXXX as well as XXXX stores. I got everything taken off of my credit reports so I don't understand why Equifax is still showing a hard inquiry from XXXX XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 uploaded a letter to XXXX XXXX and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX XXXX, or Transunion does not have any files to verify these accounts, nor will they delete it.

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 2020-05-30
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  XXXX  filed an eviction with an amount of {$4000.00} owed. The eviction was filed after I no longer lived there. I moved out of the apartment at the end of my lease in XX/XX/2018. I believe the eviction was filed in XXXX or XXXX. The debt is now held by National Credit Systems. 
Furthermore, I was not in any way notified of action being taken against me. I was unable to dispute the " eviction '' or amount they claimed I owed them. I did not know anything about this claim until a year later when I noticed it on my credit report. 

The money is not owed and I was not given a chance to dispute it or show evidence. I was not notified that any action was being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Attempted to resolve an automation error via ACH which caused numerous automated fees and cascaded problems along with money theft from BOA. 

I have tried for the past 2 years to resolve the issue, the theft is obvious as the company has taken money out of my account, held it for 5 business days and put it back without consent. 

The money was CASH not a check or otherwise agreeable hold, it was automaton that stole my money and then made my checks or transactions fail in the time it took the money. 

I demand reimbursement and credit fix!

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
MISSING INFORMATION I CANT DISPUTE WAS ISN'T THERE 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 2020-07-20
Company: Experian Information Solutions Inc.
State: VA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy is 10 years old.I disputed to have removed from transunion.They say they removed it but it still shows on 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 2020-11-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Account status incorrect

Complaint:
I took out a Private school loan with My XXXX XXXX  ( aka XXXX XXXX XXXX ) back in XXXX. At that time I was at the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Please note this school has changed its name to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. In XXXX I transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I am presently enrolled. A few years ago, I noticed that XXXX XXXX XXXX ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in XXXX issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, XXXX is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs 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 non-monetary relief
Consumer complaint received 2020-03-09
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:
equifax, XXXX  and XXXX  has accounts on my credit report thats inaccurate/not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2019-06-09
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account has been reporting to the credit bureaus and I asked for validation of the debt. They have not sent me sufficient validation that I own this debt. I need this account removed. Ive never had a report from the original creditor so I need these people to stop reporting this to my credit

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 2020-05-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was the victim of identity theft in XX/XX/XXXX, and a seven year freeze was placed on my credit report at all three bureaus. When I needed to temporarily lift the freeze for a mortgage to be processed, I sent Experian the required identification documents on two occasions with a request to supply a retrieval pin so that I could designate when and to whom my credit file is opened to. Attached are the responses that I received, and this has been going on since mid-XX/XX/XXXX. I have already lost a real estate property due to their inefficient handling of my request. 

XX/XX/XXXX : I requested a retrieval pin to lift my security freeze ; They sent a letter that THEY TEMPORARILY REMOVED the security freeze in Mid-XX/XX/XXXX ; XX/XX/XXXX, I again requested a retrieval pin # : XX/XX/XXXX, I received a letter stating Experian PERMANENTLY REMOVED THE SECURITY FREEZE! 

This process is so easy with both XXXX and XXXX  -- I can call, identify myself, and they open the file for the designated period and purpose. Now, I am afraid that they, based on the Experian debacle, will lift the security freeze and leave me vulnerable to another identity theft episode that was absolute XXXX to maneuver through before.

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