BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Billing dispute for services

Complaint:
Account is paid in full and I have 8 months of missed payments when I paid bill. Please remove missed payments

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 2019-07-22
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
XXXX XXXX/CBNA XXXX I was NEVER LATE on this account. CBNA is reporting multiple inaccuracies on my credit file. I've contacted the credit several times and have yet to receive a response or explanation. 

I have attached my bank statement from XX/XX/2018 through XX/XX/2018. Correct the errors immediately or delete this account off my credit file! 

I've contacted the credit several times and have yet to receive a response or explanation..

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 2019-07-22
Company: EQUIFAX, INC.
State: OH
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:
XXXX  isn't reporting these open acct. One is my mortgage which is with XXXX XXXX XXXX XXXX. Acct # XXXX. Date XX/XX/2019 my credit score drooped by XXXX points. 
My credit card Acct # XXXX XXXX the bank name is XXXX XXXX XXXX credit card isn't even being reported, but have added an attachments to show proof. This is to is not being applied to my credit score. Can you please help me with this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: CO
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:
On XXXX and XX/XX/2022 I sent a letter to Experian regarding two accounts they are reporting inaccurately. They are reporting the payment status wrong. Payment status should be current payment status and they have completely inaccurate status. 
XXXX is closed and paid in full - they payment status should read- PAID AS AGREED. 
XXXX XXXX is current and they are reporting a delinquent payment status- should read " paid or current ''. 

They have not communicated that an investigation has even started in over 60 days. 

Ive included both letters I wrote to them as well as my credit report for both accounts with the inaccurate info highlighted.

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 2021-09-25
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: Account information incorrect

Complaint:
2nd complaint! I previously filed a complaint against Equifax due to their mis filing on my credit report. They replied with a typical e Oscar answer and stated they would look into this issue and cfpb closed the complaint. I just received noticed that Equifax " verified '' this account AGAIN. I had requested documents of their " verification '' on this bogus XXXX account which I never received. They even updated my credit file on XX/XX/XXXX which states " verified accurate '' and also states account was open in XX/XX/2020. This is WRONG. I never opened an account in XX/XX/2020. Equifax is falsely reporting inaccurate information and I was advised my disputes are vexatious and they do not really look into my complaints anymore ... .they just pass it over and reply with a general response without investigating the reality. I am currently trying to update all my information on my credit report to be accurate. Equifax is not helping me whatsoever. I believe this to be retaliatory due to my complaint. They have done nothing more than lower my score and not complete an accurate dispute and give me adequate information to truly validate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Waypoint Resource Group, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm trying to buy a home this year and I found out about a XXXX debt of XXXX dollars that I'm trying to settle. I have tried calling over 50 times and sent an email with my information so they could reach out to me and nothing. The company is Waypoint Resource and the only phone # I can find is XXXX XXXX XXXX XXXX and I cant get through to them. 

I am trying very hard to better my credit and its unacceptable that this company is failing to do their job and even be contacted to do their job. I have the money to settle, this is needed to move forward to get pre approved for my mortgage and I didn't even this was affecting my credit negatively. If you could please assist me with moving forward and settling this debt I would be very appreciative. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Carvana Group, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Carvana has denied extension of my credit which is a violation of XXXX of Consumer Law. They are refusing my credit transaction as a Finance Charge state that it's the sum of all Charges. XXXX, which is the supervisor, stated I was approved for the vehicle & now partially approved if I pay them {$17000.00} which is a seperate transaction for the same transaction. 15 USC 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/, I put money into Well Fargo bank with 3 checks, but I made the mistake of taking a picture of the check to put money into my account without taking a direct picture of the check ( because I just arrived ). US so I don't know this is wrong ). Well Fargo bank took the money from those checks and put them in my account. But on XX/XX/, the bank announced that my account was closed and would retain my money in 3 checks to investigate fraud. If you have any questions, call their phone number. I have contacted many times and each time I call I receive different instructions to get my money back. I have worked many times and I am really tired of the instructions to get my money back. They just talked over the phone and they didn't have any written instructions clearly instructing me on what to do. Every time I call up, a different instructor comes along with different instructions. I'm XXXX and I don't know English. Every time I call up, I have to ask an interpreter, which is very tiring, when I want to talk directly to the bank staff. I have to drive more than 1 hour to meet the bank staff who can speak XXXX to help me and they also understand my fatigue and sadness but they don't do anything. Whatever they did, they just called the anti-fraud department and then guided me this way and that according to the phone department 's instructions. I have fulfilled all the requirements they want but I still haven't received my money back for over a year. I asked someone to write a check for me but to no avail. I've been clamoring at Well Fargo for 1 month but they still haven't responded to my clamor even though I have a clam number. I'm so tired and fed up of this type of work, I pray to God that I get my money back.

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 2022-09-08
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:
Multiple accounts listed by XXXX Equifax and XXXX XXXX regarding XXXX XXXX XXXX XXXX. That account was part of a line of credit. XXXX  foreclosure. I have asked them to remove and they took revenge and duplicated it on my wife XXXX XXXX and my ( XXXX XXXX ) credit reports. Thier is also multiple hard inquries which i asked to be removed or provode proof of signature on an application. XXXX have failed to remove or assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: LendingPoint Holdings LLC
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX  -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXX Acct # XXXX Lending Point- XXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX XXXXXXXX has violated my rights. 
15-USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose.

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BARCLAYS BANK DELAWARE
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:
Card is not mine, I never applied for it. Card belongs to spouse and are currently separated. I would like proof on where I applied and signed for that card.

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 2022-09-08
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management is sending letters to me and they claim that i owe them XXXX XXXX According to the information provided by them i was resident in California and opened a bank account with an address from California- but IT WAS NOT ME, i never lived in California, i have never even been in that state in my life. I lived in XXXX, XXXX  XXXX and XXXX  states only ( I live in XXXX state for about the past XXXX  years ). I did not own the bank account that they claim that i owned. I have no clue how and when my personal information was stolen, it seems that someone stole my ssn, opened a bank account under my name by providing an address from California, again i have never lived or been in CA. I did not open the bank account that they claim that i owned and did not borrow any money from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
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 belongs to someone else

Complaint:
Goodyear CBNA reflects I opened an acct with them. This is fraudulent account. I never solicited them for 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 2023-08-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX stated that I owed them {$340.00} I never had progressive insurance. This was an account opened in reference to the identity theft report I created with the Bureau. 


Based on 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A {$9400.00} loan for a non-degree certificate program I participated in ( XXXX XXXX ) was sold to a XXXX party servicer. I recently received notification of an unpaid balance of {$1100.00} from SIMM Associates , Inc . It appears that SIMM Associates , Inc. reported this missed payment incorrectly. The program through which I incurred the loan with XXXX XXXX has a contract stating that the loan I took out is not credit bearing and is interest free. In XXXX of XXXX, a payment of {$6000.00} was applied to the principal balance, but XXXX XXXX XXXX XXXX have been harassing me for payments ever since. I have also been receiving repeated phone calls after having notified the XXXX XXXX representatives that I currently am XXXX. Under the agreement from the program per the program contract, payments can be paused for up to XXXX months at a time if program participants are unemployed. This pause can be renewed without any limit. Furthermore, there is a recorded phone call I had with a XXXX XXXX XXXX in XX/XX/XXXX during which the representative stated that there was no deadline to submit confirming unemployment documentation, yet XXXX XXXX  has continued calling me multiple times a day. XXXX XXXX XXXX XXXX reviews on SIMM Associates XXXX Inc. reflect that this lender frequently operates fraudulently at the expense of unsuspecting consumers. It is unclear what the connection is between XXXX XXXX, who the loan was supposedly sold to, and SIMM Associates , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account 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 2023-07-04
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00}-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: Risecredit, LLC
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX account was settled in full. I called Rise on XX/XX/XXXX, to ask for the balance since I will be settling the account in full and early and made a commitment to pay it on XX/XX/XXXX without late fees and they agreed. Lately, I was checking my credit score and found they have reported that I have a late payment in XX/XX/XXXX which is not agreed during the call. I called Rise and inform disputed that I should not have a late payment, one of the rep agreed and will get back to me. Waited for a month and didn't get an update. I called them again and the rep told me it was valid but don't have the proof to send me how he validated the missed payment. I need help to have this removed from my report with XXXX  as it was not accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed incorrect information on my ChexSystems report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. 

ChexSystems has REFUSED to reinvestigate my disputes even though in their letters it clearly states that I have the right to dispute the incorrect information on my report. Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their ChexSystems reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section. ChexSystems has refused to follow this law and reinvestigate the submitted dispute. I did contact ChexSystems by phone to understand these issues but the representative hang up the phone on me mid conversation. They also sent me a letter on XX/XX/2023 and 3 days later claimed that the letter was sent out by error in another letter. 

In accordance with the Fair Credit Reporting Act The accounts # XXXX/ACCT # : XXXX / XXXX and XXXX/ACCT # : XXXX / XXXX have violated my rights. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If ChexSystems can provide any exceptions to this section of the law then they shall provide me with a clear reasoning.

I request color copies of my Identification including my Social Security Card used to open these account. 

If ChexSystems can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.

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