BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
Company: SYNCHRONY FINANCIAL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-07-05
Company: EQUIFAX, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C 1681 section 602 A. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions Equifax violated my rights by furnishung XXXX  card {$8500.00} without my written intructions. This is considered as fraud. I am not disputing this account with XXXX. This complaint today is against Equifax for violating my rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: NV
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 dispute for information on my credit report which doesnt belong to me as well as a police report and a report filed online. The information was not fixed. However, my current wife s name and information for which we share jointly was deleted from my EXPERIAN CREDIT REPORT resulting in a NEGATIVE IMPACT on my credit report. Can you please fix this. My spouse is XXXX XXXX. 
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 non-monetary relief
Consumer complaint received 2023-04-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
This is a follow-up to Complaint XXXX. 

On XX/XX/2023 Wells Fargo climed that a check would be sent to me within XXXX days. It is now XX/XX/2023. WELL BEYOND the reasonable amount of time for them to send the check. The check has NOT been received. 

It seems that Wells Fargo is just making false promises in hope that a customer they have stole funds from will just go away. That will not happen. 

I will keep opening complaints with the CFPB, the XXXX the FTC, and the attorney generals office until this is resolved. I am not going to allow some large corporation try take advantage of a because they think they can. You're large corporation money doesn't scare me and I will continue to do this until it is resolved and the company returns the funds they have stole from me. 

I am not contacting another company via a phone number. That is not my responsibility. However, I will take the information that Wells Fargo provided and file all those appropriate claims and complaints with XXXX XXXX XXXX so we can ensure this is properly documented and everyone can be aware of these unethical business practices by these large corporations. 

I'll also start email people that work at the companies as I know XXXX give a ton of email address out there for me to contact. It doesn't seem the customer service want to resolve this issue so I just email individuals from the companies in hopes I can be put in touch with someone that does want to resolve the issue. 

Thanks for understanding. 

Regards

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 monetary relief
Consumer complaint received 2019-04-28
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any written notification about this debt. This should not be on my credit report because I have not have not had a chance to validate the debt. This item needs to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TrueAccord Corp.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I receive daily text messages from True Accord advising that a debt is owed by me. To date, no communication or validation of the debt has been received. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: DISCOVER BANK
State: NY
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:
When I noticed the billing error with Discover credit card services. I sent a affidavit of truth on XX/XX/2023. I requested documentary evidence in order to resolve the billing error. Discover did not provide me with what I requested and failed 15 USC 44 and 15 USC 1666 ( b ) ( 2 ). This is a 15 USC 1601 violation and Discover is civilly liable to me under 15 USC 1640.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citizens Bank limits the ability of consumers who have difficulties communicating via telephone to communicate with the bank since it does not allow consumer to properly respond to the written messages from its customer service by imposing severe liitations. 

Today I attempted to respond to a message from Citizens Bank with the following information : Note attempted to be send to Citizens on XX/XX/2021 '' 'The account XXXX has a monthly fee, so I would really appreciate that it is closed NOW. 

I am not able to delete the repeated transfer that I had previously scheduled to be made every month that now has the next instance set for XX/XX/2021 since I do not see it in the list of " Scheduled '' transfers. Please remove this transfer or, if you also do not see it, report the problem to Citizens Bank. 

Thank you -- -- -Original Message -- -- - Dear XXXX XXXX Thank you for your reply. 

We have processed your request to close your account Once a savings account reaches 60 calendar days at zero, it will terminate on the 61st calendar day ; a terminated account can not be reopened. 

Please note, closed and terminated accounts will continue to appear online until they are removed from our systems. In the meantime, you are able to hide this account by clicking on Settings which is located on the right just above the list of your accounts, on your My Accounts page. After clicking on Settings, check off Hide to the left of the account you wish to hide. 

To cancel or edit an online transfer, click on Transfer Money on the top or on the left of your online banking My Accounts page. 

On the next screen under Recent transfers click on edit or delete to the right of the Scheduled transfer you wish to edit or cancel. 

Click on delete to the right of the Scheduled transfer you wish to cancel, and then choose your option ( Cancel this transfer or Cancel all of these transfers ). If you wish to edit the transfer, click on edit to the right of the Scheduled transfer you wish to edit. On the next screen, choose your option ( Edit this transfer or Edit All These Transfers ). 

If you have any further questions or concerns, please call our Customer Service Center at XXXX and a representative will be happy to assist you Monday Friday XXXX XXXX and Saturday Sunday XXXX XXXX. 

We value you as a customer and appreciate your business. Thank you for choosing Citizens. 

Sincerely, XXXX XXXX XXXX XXXX ' When trying to submit this message I received the following notification : 'Error Received The information you requested could not be displayed. Please select " Go Back '' and try again. 
Go Back '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-22
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Sunday XX/XX/2020 I opened a Suntrust account and deposited {$300.00} dollars over the course of the following two days. On Thursday XX/XX/2020 I was unable to access my account. Upon calling customer service twice. Both times it was stated that my account was being closed and all remaining funds will be mailed after the investigation has concluded. On Friday XX/XX/2020 my employer deposited part of my paycheck into this account that should have been closed. Upon calling customer service again. They would not let me access my money and kept stating policy over and over again. This is unacceptable. There is more than {$700.00} in that account that I can't use until they conclude their investigation and mail my money if they even do.

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 2023-05-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit was reduced due to credit report. I verified my credit report. No issues found. Perfect credit. Citicard did this on both of my XXXX cards, XXXX of which is Costco. They reduced my limit to current balance which SEVERLY affects my credit score.

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 2021-09-24
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal put a limitation on my account that i can't resolve. my visa card is already broke and i can't change it because i can't add othere card on paypal account cuz its limitid. its hard to resolve if i can't add other card on my paypal account my paypal email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The bank continues to send me notices, in which, they include the mini Miranda disclosure making them collection attempts. These letters state that they need my XXXX XXXX insurance policy. I had called them several months ago and gave them the number and information to call the condominium association. Being the absurdly horrible bank that they are, they have n't done this. I live in a condominium with well over 100 units, so I 'm sure they could cross reference with other mortgages at my address or they could contact the condominium association as I had directed them in the past. If these letters continue, I will pursue legal action against M & T bank for the time I have spent on this matter as well as attorney fees and applicable damages. It 's particularly interesting that no other bank that has owned my mortgage in the past ( there have been many ) has ever made this request. It further speaks to M & T 's incompetence, laziness and disregard for their customers time. 

Please let this clown show of a bank know they can reach my condominium association with the information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX & XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX

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 2023-03-06
Company: EQUIFAX, INC.
State: PA
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:
i sent a letter out XXXX XXXX to XXXX, XXXX, Equifax and the Creditor. Here is my tracking XXXX, XXXX. However, its been more than 30 days and the credit bureaus and creditor failed to send my investigation back. This is not making any sense. 

According to the law 15 USC 1681i Permissible purpose of consumer reports- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer and the notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card account open with Barclay card. I stopped using it around XX/XX/XXXX or XX/XX/XXXX. The balance at that time was {$2700.00}. I have been making a payment of ~ {$70.00} every month for 6 years for a total of approximately {$4900.00}. In that time only {$600.00} has been applied to my balance. My credit card still has a balance of {$2000.00}. They have charged me approximately {$4300.00} in interest on an original debt of {$2700.00}. I have paid them close to double the amount of the original debt, yet only {$600.00} has been applied to my balance. I have called and they will not work with me.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: MS
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 INFORMATION WAS STOLEN AND ACCOUNTS OPENED IN MY NAME I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO REMOVE THEM

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 2023-03-06
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation