BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my 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 creditor. I need the accounts corrected as soon as possible : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: WI
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:
My student loans are affecting my Credit score on two credit reporting websites including Equifax and XXXX. On XXXX XXXX I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XXXX, I received an advertisement for a promotional offer from US Bank Account Card Services ( Visa Card ). In brevity, the promotional offer offered new customer/s who opened an account with US Bank to receive {$200.00} Cash Back Bonus if the customer/s spend over {$500.00} within 60 days from date of opening the account. Therefore, I applied for the US Bank Visa credit card through US Bank online website and was immediately approved. 

On XXXX, I received the US Bank Visa Credit Card and activated the account. Although the transaction was difficult due to US Bank website debacles, I was finally able to activate the account after over 5 attempts. Immediately following the activation I received a survey regarding the Customer Service. On the survey I shared my dissatisfaction due to the debacles and online service problems that US Bank was attempting to resolve. US Bank service representative XXXX XXXX contacted me in regards to the survey. I explained the issues that US Bank had and although XXXX XXXX remedied the issue temporarily, my second and third communication with XXXX ended in complete disarray as XXXX was rude and unprofessional to say the least. 

As I requested to communicate in writing for quality assurance and to avoid any miscommunication, XXXX stated that he would provide me with an email address which he NEVER did. Instead, XXXX disconnected my call abruptly and refused to resolve client/merchant issues with my account. 

Be that as it may, I have accumulated over XXXX rewards points equivalent to a cash value of over {$250.00}. However, US Bank and XXXX XXXX are refusing to allow me to redeem my rewards points for cash.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi has been promoting it $ XXXX {$400.00} offer for its different criteria deposit. I opened the account via its promotion link online on XX/XX/XXXX. I called on XX/XX/XXXX and told them that instead of depositing for $ XXXX for {$1500.00} bonus, I would like to downgrade the package for $ XXXX deposit for {$400.00} bonus. The rep on the phone ensured me many times that the account is linked with the promotion and I will get the {$400.00} bonus after depositing $ XXXX. 
I deposited $ XXXX on XX/XX/XXXX and the money has still there since then until today ( XX/XX/XXXX ), which has been over XXXX months. The requirement is having the deposit stay for 60 days, which already way passed it. I chated online on XX/XX/XXXX and the rep said I should have qualified but he said he will open an investigation with case XXXX XXXX XXXX XXXX. I also called citi and the first rep said he didn't see the promotion linked to my account. Later the case was escalated to a supervisor, who said I already downgraded my account, which I said I knew but the rep on XX/XX/XXXX expressly told me it is ok as it is just {$400.00} bonus instead of {$1500.00}. The supervisor then said, oh, because the linked checking account was closed. I said I didn't close the linked checking account but Citi closed it at its sole discretion without any notification. And said he will follow up on the investigation team and give me the answer. On XX/XX/XXXX, I receive the letter from citi saying they can't find any promotion linked to my account. So what's going on? Overall experience is just that citi tried to avoid giving the promised promotion and overall advertisement is misleading and scam. 
Per the terms, citi should have given me {$400.00} bonus on XX/XX/XXXX, which was 60 days after the required deposit period. I have patiently waited for another 4 months but it ended up they closed my linked checking account and said, oh, not another fine print qualified. The term stated " the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts '' and " At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. '' So why my {$400.00} is not showing up in my saving account? It should have appeared from any date after XX/XX/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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-22
Company: EQUIFAX, INC.
State: MD
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
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:
XXXX is reporting a Car loan reporting a balance /charge off from carhop..effecting my credit in a negative and derogatory manner ... Incorrect information.When I called " Corporate office " in 2 different states, Which happens to be a fraudulent site!. I'm unable to have it removed, even as last contact on XX/XX/2018 on a recorded line XXXX said " Debt Satisfied ''. I asked for an E-mail stating that and was refused my request so I could remove info from my credit report to avoid fees in a move now requiring a deposit.

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 2021-05-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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 belongs to someone else

Complaint:
I have fraudulent inquiries showing in my credit report. I have no idea where these came from or where I got them from. These inquiries were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Checking my credit report from XXXX? Experian credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " XXXX XXXX  XXXX. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from XXXX XXXX  XXXX ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX bank and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of XXXX  but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!

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 2023-03-23
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
UAS connect ( student loan company ) reported that I missed 8 payments. I have bit missed any payments. XXXX has this reported incorrectly. XXXX managed to change this status to up to date, but XXXX has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Ocwen Financial Corporation
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ocwen/PHH is reporting current late statuses with all 3 credit bureaus on my husband 's account which was transferred and closed in XXXX. We were not aware of this current reporting until we applied for a home mortgage loan and were denied because it appears as if we are currently late on mortgage payments. As soon as we were made aware of this error, my husband filed disputes directly with each credit bureau. We both contacted Ocwen via phone calls, fax, and email. We supplied the necessary documentation, but Ocwen states their reporting is accurate. It is not accurate for XXXX as again, this account is closed with a XXXX balance and has been since 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. i have include a copy of my social security my driver license and bank statement for verification. f you are unable to verify the account with the original contract, with my signature the information should be removed from my credit report immediately

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 2019-09-12
Company: Midwest Recovery Systems
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDWEST RECOVERY SYSTEM ( XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received checks and a banking card PIN number in the mail for a checking and savings account for Citibank opened in my name using precious address information. Contacted Citibank who confirmed that someone had opened both accounts online. I did not make request these accounts and requested Citibank to close immediately and reported as fraud.

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 2017-09-25
Company: CCS Financial Services, 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:
A check of my credit report shows a {$70.00} collection from Credit Collection Services ( CCS ). On XXXX2017 I telephoned CCS to find out about it and it turns out that the original bill was XXXX XXXX on a policy that XXXX mistakenly auto-renewed after I had cancelled. This never should have billed in the first place.
Let me state clearly that I have never been notified of any debt owed or collection action by CCS. It was obvious that they did not have a telephone number nor an accurate address on file for me. This is clearly a case where I was not notified at any time prior to the negative item being placed on my credit.
I explained this to CCS and since the amount is so small, I suggested that even though I do not owe this money, I was willing to pay the {$70.00} if CCS provided me a letter stating that they would remove the negative item from my credit report upon full payment.
Even though I explicitly stated my willingness to pay a debt that I do not owe in order to get the negative item off my credit report, CCS was unwilling to discuss resolution. Even after requesting a supervisor, all they were interested in doing was obtaining my current address and phone number. I let them know that if they were unwilling to resolve the issue I would be filing complaints against them.
Due to their unwillingness to resolve an obviously clear mistake on their part, I now must go through the re-validation process ( this will take weeks or months ).
I explained that this negative item on my credit report is in error and requested that CCS validate the claim and remove the negative item from my credit report.
I request that they validate the debt is in error and immediately remove the negative item on my credit report. I was never notified of this collection issue. This is their account # XXXX on my credit in the amount of {$70.00}. It is my intention to file a complaint with the Attorney General of the State of Florida, the BBB as well as the actions afforded me under the FDCPA and FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation