BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : [ XXXX ). I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. See Attachments ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received 2 late fees from PNC Bank for paying my credit card bill on the due date over the phone after XXXX. I was not made aware that a payment made after XXXX is considered late. On both occasions I asked the PNC employees if the payment would post on the same day and I was told yes. I noticed a late fee on my account and asked for it to be over turned because I paid on time. They denied my request. I do not think that this is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, XXXX, TransUnion and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, XXXX received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from XXXX. 

I want to file a formal dispute against XXXX, XXXX, TransUnion and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
This is a unique situation in which our business was a victim of click fraud by XXXX XXXX XXXX this company promised to send a verbal agreement over the phone that if we were to advertise with them we would not have to worry about our money being stolen via click fraud which is a felony online crime where your competitor clicks on your XXXX so it doesnt run anymore for the rest of the day and the other companies collect all the work XXXX says it in a recorded conversation verbal agreement that they have a fraud detection tool in place that prevent you from getting ripped off in your money stolen while we already receive {$30000.00} back from Citibank our investigators name is XXXX XXXX hes been very unprofessional will not return our phone calls Citibank I was just about {$59000.00} fell and it was his idea to go outside the 18 month bank regulation laws and get the rest of the fried circles which we did and dated we did it with the branch manager XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX bank at XXXX XXXX XXXX in XXXX New York and she faxed over all of the transactions theyve only gave us partial transactions and they keep not returning her phone calls and violating bank regulation laws can you please call us this is the third complaint weve made vs Mr XXXX XXXX ChieF investigations At Citibanks, XXXX XXXX, XXXX Fraud I It in Texas! All he does is keep sending us a letter after you guys contact him telling us is that hes going to take care of this will you still have not received {$58000.00} as promised he said if he has to go to get the banking commission to go after XXXX XXXX XXXX to get the rest of our fraudulent money stolen from our account thats what XXXX do because we are a valued Citibank XXXX XXXX customer and they are keep avoiding us we have been out of business for a year and a half my business is seven years in this very upsetting is affected my family Ive lost my house and we even have proof all PDF files tracking software five years to prove all the fraud! XXXX has just lost a {$90.00} XXXX case where they settled because they knew they could not win against the big company for click fraud please help us please call me XXXX XXXX At XXXX Or email me at XXXXThank You Very Much! Please make them stop lying to you I have made three complaints are ready with you guys and I did get results after you talk to them but then they tend to back off and stop calling thank you very much and have a great day

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 2023-08-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I've been banking with Netspend for several years. I called in on XX/XX/18 to dispute a charge. Next thing I know my account is closed and funds have not been issued to me. This has caused many bills in my household to go unpaid and accumulate late charges. Called in to check the status of my refund only to be advised that it was not complete and need 10 days to complete. NOT ACCEPTABLE. This is altering my livelihood and causing more damages than one person can handle.

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 2019-08-31
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collectors keep calling me even after I offered an amount of {$200.00} to settle my debt since they bought the debt for pennies on the dollar. They refused and continue to harass me during my working hours disrupting my work day. It is a constant harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2nd time XXXX  XXXX put this in collection, we are allow to XXXX XXXX XXXX, this was once clear and then on the reported again. Got no notices saw this on 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 2017-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went to the website of www.equifaxsecurity2017.com because of the recent identity theft that Equifax reported on over 100,000,000 consumer files. I found out that my file probably had been compromised. I followed the instructions and was told I would received an email in several days. This was onXX/XX/XXXX. I checked my email again every day including Spam etc., but no email! I re-enrolled again on XX/XX/XXXX and received an email 0n XX/XX/XXXX from XXXX, not Equifax. I remembered that was the Equifax Product that was being offered for free. Had I not known of that I would have deleted thinking it was Spam like so many other people would. I think this is a way that Equifax is trying to get out of offering this for free! Also, When I followed the instructions on line from XXXX it told me to call a XXXX number and ended up in the XXXX and talked someone that has my personal information and had broken XXXX. I think that Equifax makes it difficult for consumers to obtain their products for free when they are the ones that are responsible for the Identity breach. I also know 2 other consumers that never received the email or thought it was spam!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting 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 2023-07-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an accounts that has already been paid. According to FCRA 605B, the 3 Credit Bureaus should revealing 100 % precise. Kindly help me correct these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I had a private student loan with Citizens Bank which was being serviced by XXXX. Evidently the amount of time I can have in deferment had reached its maximum time even though I am still in school and ALL other private and federal loans were in deferment. 
XXXX closed out my student loan and sent back to Citizen Banks without notifying me of this. XXXX did state I was qualified for a temporary 3-month forbearance and then would have to make payments but I was not notified or informed of this. Citizens Bank charged-off the account and has refused to allow me to make payments as requested. Citizens Bank has refused to put anything in writing. XXXX record was sent to online inbox which is unmonitored and I never received a copy mailed to me and both Citizens Bank and XXXX have refused to show proof that I was mailed letter of account status. 
Citizens Bank has wrongfully places charged-off on credit reporting agencies. This matter has been referred to California Attorney General and Depart of Education for formal complaint. I have filed complaints with credit reporting agencies and this issue has been sent to legal representative for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm submitting a complaint regarding unknown things that I have on my credit report. I already sent credit bureaus my letters on XX/XX/2021 and It has been over 60 days and I still see those inaccurate data in my credit report when they should have already been deleted by now. I humbly ask you to help me resolve this once and for all.

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 2019-08-31
Company: MAJR Financial Corp
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: Personal information incorrect

Complaint:
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian will not remove my negative XXXX XXXX XXXX account from my credit report. All other agencies have but I continue to get denied for credit due to this inaccurate reporting. I paid the balance in full to the lender and they agreed to remove it from my report but have not.

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 2019-08-31
Company: CARMEL FINANCIAL CORPORATION, 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: Personal information incorrect

Complaint:
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, CA XXXX OR XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Incomm Holdings Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX-19 I was giving a onevanilla ( Incomm ) gift card with the amount of {$200.00} on It. I logged in the website provided on the card to try to find the balance as it was a gift card. The Website showed nothing but the same page. Later that morning I call to find out the balance via 1 800 number. To find out that it was XXXX that 2 purchases was made to the apple on line store of XXXX and of XXXX to the apple on line store on XXXX-19 at XXXX XXXX. I Contacted the one vanilla ( Incomm ) company and they advised contacting XXXX. XXXX can not do nothing about it. One Vanilla has sent me a dispute packet that I have sent back to them several times and saying they are not recieving anything.. Out {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Credit Plus Inc
State: LA
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:
THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXX XXXX XXXX - XX/XX/2017 CREDIT PLUS X3 - XXXX XXXX AND XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting 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