BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: OR
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 applied to finance an XXXX online on XX/XX/XXXX and the bank that XXXX uses, XXXX XXXX XXXX uses Equifax to check consumer credit reports for the applications. I was denied the application on XXXX occasions for the reason of, " APPLICATION INFORMATION DOES NOT MATCH CREDIT REPORT ''. I then called the Equifax customer service line to try and get help. I was told I had to use their online dispute service to correct the information. I filed XXXX dispute with pictures of the front and back of both my social security card and my driver 's license. The claim returned to me stating that the information in their system was showing correctly. I filed another dispute with just the pictures of my social security card hoping that it would be more clear, but the results returned the same. After these instances, I called the hotline again and was told to send photo copies of my social security card and driver 's license to their consumer information services to be corrected in their physical location and that it would be fixed within 5-7 business days. I mailed this information XXXX weeks ago and the information still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: AMERICAN EXPRESS COMPANY
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:
During early covid period, Amex ( American Express offered a payment holiday which I took for 3 months. However when I checked my credit report last month. Report shows my payments are late and impacted my credit adversely. I want to finance purchase a car to go work but I can't due this issue with my credit. I have reported this issue to Amex and they acknowledged the mistake and promised to fix and offered a 100 pounds credit and remove over 500 pound worn interest and late charges. 

None of these promises are kept and my credit file still states the late payment nor did I receive any compensation and I can't even drive to work which has impacted my day to day life. 

I have also called them few times after this issue was not resolved but they keep on bouncing me back from one department to another which acknowledging their mistake at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On or around XX/XX/2020I applied so American express credit card for my small bussiness after applying for this card explain to credit card provider what are my chance of getting approved he said 100 percent chance after explains to him that I XXXX he said don't worry you will be approved so applied over the phone did. I was denied than mark matter worst it hard inquire on my report so American express just straight out took avantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To start with I had {$870.00} in my checking account. 
I had received a voicemail from a XXXX XXXX, phone # XXXX, his employee # XXXX, in supposedly, XXXX XXXX, CA. He said headquarters in XXXX, XXXX for his company of Light Stream, a division of SunTrust Bank. He stated I could get a loan up to {$9000.00}. He already had some of my personal information, such as my phone number to leave me the message about a loan. Since he stated he was with Light Stream, I assumed it was legitimate. To process the loan he stated he needed to deposit {$980.00} into my checking account to make sure my information was correct, then he wanted me to transfer {$950.00}, by way of XXXX transfer, to him ( but the name was XXXX XXXX that was shown ). Then he deposited the {$980.00} back to my account, supposedly paying me back. Then he stated I needed to go to a store and get a prepaid debit card for the {$980.00} and call him the card number. That is when I got really suspicious. I told him I did not have a way to a store at that time. He wanted me to call a taxi or somebody to take me. I told him I would call him back after I got to the store. But instead I called my bank and the bank was calling me at the same time. They said my account was looking suspicious, so I told them to lock it. I did not get a prepaid card, but they got me for {$870.00} and so my account is in the RED now. So I have been SCAMMED much to my own fault and not realizing it. I hope these scammers get caught and not hurt anyone else.

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 2021-02-24
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Amsher Collection Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
As you will see on the following screenshots, the e-mail conversation between XXXX XXXX XXXX XXXX Customer ) ( XXXX XXXX and XXXX @ XXXX XXXX XXXX ( Supplier ) ( XXXX XXXX. These are the official accounts we are always communicating through. 

The swindler was able to get into the conversation hacking our accounts and carrying out a fraud using the fake e-mail address : ( XXXX ) as our supplier, which one could fool us so we didnt suspect and XXXX our second account ( XXXX ). 

So, based on false information, we proceeded to send wire transfer for {$29000.00} to the fraudlent account of hacker, as we thought he was our supplier in XXXX : Bank Name : CITI BANK Bank XXXX XXXX XXXX XXXX XXXX NJ XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX  Account XXXX Routing XXXX Beneficiary XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX : XXXX Through XXXX conversation we found that our supplier in XXXX did not receive the transfer. Then, after checking slowly, we overlooked that made the transfer to an XXXX bank account and not in XXXX, but we thought the XXXX supplier has an account in XXXX, which is also normal, but that was the scam because he hacked our emails.

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 2019-11-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signature or copies of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: U.S. BANCORP
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:
Dear Sir or Madam : Good afternoon. I was issued a BUSINESS line of Credit from US Bank in XX/XX/2015. I was explicitly told that this would be registered under my business. Not my personal credit bureau. It wasn't until some years later that it was FRAUDULENTLY added to my PERSONAL CREDIT. 

It is making it very difficult for me to get a job, buy a car, or even get an apartment. Please 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 non-monetary relief
Consumer complaint received 2020-07-07
Company: Conn's, Inc.
State: WA
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 settled an old account approximately 2 yrs ago with CONNs and they continue to report that I owe money to the credit bureaus. Ive hired a third party to help get this removed. Ive worked with the recovery department and they say theyre working on it and that theyll get back with me, and they never do. They say the account was transferred to a collection agency called XXXX. I settled the account, but it is Conns who continues to report to the credit bureaus. 
Ive missed out on multiple financial opportunities because of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Nationwide Credit & Collection, 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:
I have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XX/XX/XXXXand there are no XXXX in XXXX XX/XX/XXXXwhere I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: OK
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:
Recently, i requested an investigation from all three bureaus of my credit report, and they all said the accounts were verified and 100 % accurate. So I ordered my credit report and found alot of inaccurate, mis dated, invalidated, unverifable and questionable items that your agency didnt make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit bureaus reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681 ( 7 ) method of verification- Description of reinvestigated procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXX 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 2019-02-27
Company: CITIBANK, N.A.
State: NC
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 just received my credit report from XXXX  and it is showing a Sears/CBNA acct that I closed in XX/XX/XXXX and paid off in full using the XXXX XXXX as having a ( C ) for collection in XX/XX/XXXX. This account was never used or had any balance after the XX/XX/XXXX-XX/XX/XXXX time frame so there is no way that I had a collection at the date and time listed. It was also requested to be closed at that time and clearly based on the data on my report it was not done. I called Sears and they are saying even with the use of my SS # there is no recollection of my acct or proof that I had one. So they simply cant help me with this matter. This is a derogatory mark on my credit that was done in error and I would like to have this resolved as soon as possible. I have worked so hard to improve my credit to where it is now and I am very discouraged to find this on my current 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 2020-07-07
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 is missing that should be on the report

Complaint:
*** Dear to whom it may concern, My name is XXXX  XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name Reported** XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX XXXX These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX EMPLOYEE XXXX XXXX XXXX XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX  monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX  Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXof 2021 I was calling, voicemail, emailed, and stalk t SN Services to make a payment and be current on my mortgage. They lock my account online ( I could not make any form of payment with SN serving open my account, reason why I kept calling because I didnt understand why I couldnt make a payment. I did what I could to stop this foreclosure and no one responded until it was happening. I finally spoke to the lady once for her to tell me my house is in foreclosure. I was told this in XXXX. ( foreclosure started XXXX I was calling to stop it ) I could even rest my passwords unless they unlock my account. XXXX and XXXX I was calling to make payment to prevent the house going into foreclosure. She didnt respond until the house went into foreclosure causing me lawyer fees and I had to pay and get it out of foreclosure by the end of XXXX. I called and tried to make payment for 4-5 months and no one responded until it went into foreclosure XXXX. Please help me please I have the XXXX out of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: ALLY FINANCIAL INC.
State: NY
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 been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$16000.00}.

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 2020-07-07
Company: Experian Information Solutions 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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX  XXXX  open date : XX/XX/2019 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 explanation
Consumer complaint received 2021-02-24
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
It looks like I got scammed by a website called XXXX. I placed an order ligaly for a fire arm that I never received {$460.00}. Some one contacted me the next day asking if I wanted to complete my order and I did. They said they were going to ship the order in 48 hours. I thought they were going to send me more information but nothing. I contacted XXXX to get my money back, also my back golden1. And no help from both companies. Not sure if this is going to help but it seem like no one is going to do anything and this person is going to keep scamming people. The bank did nothing. As far as I know XXXX my have blocked this person. I thought fraud was a crime so why is no one going after this person and I'm left to pay a bill that my bank transfered to this person. Not fair at all. I have all the information about this person if you need more info. Thanks

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