BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: MN
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:
XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I made an online purchase of {$850.00}, immediately after I received a text from Citi stating " Free Msg Citi card XXXX Did you attempt {$850.00} at XXXX XXXX on XXXX? Yes=1, No=2 or sign on to Citi mobile app '' I responded " 1 '', they responded " Thanks. Your purchase was declined. Please retry. Your card is ready to use ''. I made the purchase again as instructed. I ended up being billed and receiving the purchased product twice, so I immediately returned the first product to the merchant and was credited ( after a lot of back and forth because in the meantime my credit card ending in XXXX was lost and replaced with a new card ending in XXXX. Additionally, the 2nd product I recieved was a XXXX gift which didnt fit so I returned the second product to the merchant and was attempting to be credited but there was an issue returning the funds to my citicard because the charge was flagged as fraud at Citi . Citi had drawn the funds back from XXXX XXXX in XXXX. I immediately contacted Citi to have this corrected so my refund could be made from XXXX XXXX. Citi then claimed to have corrected the issue and sent the funds {$850.00} back to XXXX XXXX on XX/XX/XXXX which is stated in a letter from Citi 's XXXX response unit. Months went by and I continued to follow up with the Merchant who continued to claim they did not receive the funds from Citi, finally on XXXX XXXX Citi admitted in a letter to me from Citi 's executive response unit that the funds were not returned to the merchant as they had stated on XX/XX/XXXX and they would re-issue the funds to XXXX XXXX on XX/XX/XXXX. I have since made weekly calls to the merchant and Citi because XXXX XXXX has not received the funds from Citi. I have asked Citi to remove this balance from my account because the root cause is there error, and they did not return the funds as they had claimed in XXXX, I feel that they did not return the funds as they claim they did on XX/XX/XXXX. I would like to have this balance removed from my Citi credit 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 monetary relief
Consumer complaint received 2018-09-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 letter from Transworld System. Informing me I owe XXXX. 
This is 3rd letter from a third party collection on XXXX account. I have written to Attorney General & FCRA on this same XXXX  account. I have copies. 
I would like notify Tranwworld System this account should be handled with XXXX only. 
I always informed XXXX that we could go to court on this unjust issue. Now I realized that I will have the lawyer mail Intend to sue letter. Senior Abuse I am a XXXX XXXX XXXX XXXX survivor trying my best to take care of mother with XXXX. 
I am on Social Security can be verified. I do not need anyone to mess up my credit report with unjust claim of me owing something. All other collection company gave them file back. 
I do not truly believe Transworld is aware of this situation! 
So I am being hope that you will do the right thing. 
Thanks hope hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DOB - XX/XX/XXXX Last 4 SSN - XXXX Please apply these laws to my accounts : I am writing to ask that you delete all unauthorized inquiries, derogatory remarks, and closed accounts also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resulution. I am again asking the items listed below to please be deleted from my file as many of these items are misrepresented on my credit report, these fraudulent accounts and derogatory remarks have made it hard for me to live a decent life. 


Dear Sirs/Mams The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX XXXXXX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Conduent Incorporated
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive tried calling and talking to the bank I sent in writing the dispute form I repeatedly called and explain that me card had been stolen and that the charges on my account where not authorized by me. And they are refusing to do a investigation they are refusing to abide by the rules and regulations of the Regulation E they failed to credit my account for the amount of the dispute. they are simply not talking my dispute seriously. I've begged and pleated with managers for help and they refuse to help me. I filed my complaint that the transactions against my account where unauthorized with in the two day window of finding out and I still have gotten any information about the disputes I have filed nor any provisional credit im supposed to be given in the chance that the investigation takes longer then 10 to 20 days. Im wanting to move forward with legal action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The listed items on Ftc report are not my items

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 2021-05-25
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:
This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXX XXXX. 
As of XXXX XXXX it is still on all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$24000.00} at the ATM of the PNC Branch at XXXX XXXX XXXX, XXXX XXXX PA on the morning of XX/XX/XXXX. The ATM gave an error that it could not complete the transaction, but did not return the check. I spoke to the branch office 's Branch Sales associate XXXX XXXX and Branch Manager XXXX XXXX, who said there was nothing they could do and stated it was the ATM vendor 's problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have contacted TransUnion previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number 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 2023-06-16
Company: CarMax, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am getting daily robo calls from XXXX. I informed Carmax XX/XX/2022 to remove me from the call list. I get calls from them around the same time daily. I have attached examples of the calls from this number. 

According to 15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The past few weeks have been unbearable due to the constant harassing debt collector calls. Despite explaining my financial situation and requesting a payment plan, the collector continues to call multiple times a day, and threatening legal action. This has caused immense XXXX and XXXX, making it difficult to focus on work and daily activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: IL
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 have communicated with XXXX XXXX XXXX  and XXXX & Equifax about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ).

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX accounts  never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Early Warning Services, LLC
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:
A XXXX XXXX Money Market Account was fraudulently opened in my name on XX/XX/2016. It was not funded and was subsequently closed on XX/XX/2016. Please see the attached letter from XXXX indicating that the account was opened as a result of a fraudulent application. I am requesting that Early Warning Services ( EWS ) removed this account from my report. It should also be noted that the email address and phone number listed on the EWS report never belonged to me. ( please reference CFPB Complaint ID XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the unethical and possibly illegal actions of Bank of America regarding the handling of my checking account. Recently, my account was shut down without warning, and upon inquiry, I was informed that it was due to a bad check that I allegedly submitted. However, I was never provided with any evidence of this check, nor was it ever returned to me as it should have been. 

Furthermore, Bank of America failed to disclose information regarding the deposit insurance that was supposed to be used to open my account. Instead, the funds were placed in an escrow account, with no disclosure that I could have claimed the insurance. This is a clear violation of GAAP procedures, and I demand that Bank of America be held accountable for this breach. 

To add insult to injury, Bank of America has been using deceptive practices to contact me regarding a debt that I do not owe. This is highly concerning, and I fear that they may be engaging in fraudulent activities. I demand that the CFPB investigate these practices immediately. 

Moreover, I am highly suspicious of Bank of America 's management of my funds, especially in light of their failure to provide me with full disclosure regarding the deposit insurance. They have been taking the compound interest each month, which should have been placed in my account, and have since closed my account. I demand that the CFPB look at the ledger of Bank of America and retrieve any securities that have my name on them and belong to me. 

In conclusion, I urge the CFPB to take swift and decisive action against Bank of America to rectify these egregious violations. Thank you for your attention to this matter.

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 2023-06-14
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: Investigation took more than 30 days

Complaint:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible 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 non-monetary relief
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : US DEPT ED XXXX DEPTEDXX/XX/XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-05-29
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX i got a XXXX $ loan from XXXX XXXX and was paying until XXXX. When I asked for the balance it was XXXX more than the original loan and I sent XXXX  a check for XXXX in XXXXand now they are foreclosing not giving me any options to keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am unable to access my Transunion and Transunion XXXX accounts. I spoke with their customer service rep at ( XXXX ) XXXX on XX/XX/2023 and was instructed to email XXXX forms of photo id and a copy of a utility bill to XXXX. 

I sent the requested info as instructed. On XX/XX/2023 I received an email notification that my case was closed. Yet my problem wasn't fixed and I still can not access my accounts. 

On XX/XX/2023 I called their customer service number again and was told that my problem would be referred to the supervisor who would call me back. 

I have had no further contact with Transunion customer service. 

My access is still denied and I am not getting help from Transunion. 

Please help 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 2019-11-01
Company: VW Credit
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Investigation took more than 30 days

Complaint:
The XXXX XXXX XXXX  belongs to my ex. Divorce paper signed by the judge supplied. Paperwork clearly states the separation of debts. Unable to talk to reps because Im not the primary account holder they refused to talk to me but yet continue to acknowledge the debt holder being me I supplied proof and they continue to deny, without providing further explanations

Company response to consumer: Closed with explanation