BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: NJ
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:
So Equifax is furnishing date in my credit report that is not correct or absolutely invalid. So on XX/XX/XXXX I sent a certified letter informing them which information was incorrect and instead of performing an independent investigation of their own. They just updated my report with the information the other bureaus have. Verification is required under section 611 5 A. Due to their lack of availability to verify this account it needs to be deleted. My FICO score has been damaged by their errors. XXXX XXXX Account needs to be deleted. How can they be furnishing all the incorrect information, I challenge it now it's update to match the other bureaus. Equifax clearly violated the FCRA & if not shown their verification method I will be filing a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CITIBANK, N.A.
State: DE
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:
For the past 8 months since XXXX 2017 I have been writing and sending certified letters to Citi Bank credit card services in regards to an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company. The Citi Bank account in question XXXX, the whole account number is n't reported as well. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This whole experience with this bank has been Horrible from the opening process with my deposit they never issued out my debit card as they told me then someone from their Customerr care dept calls me to say they forgot to issue one and they would overnight me one I received it but when I activated it and called they told me my account is closed this is such a weird process with the whole Account opening process why would they close my account after issuing my debit card I didnt even get to activate the card or start using my checking account I dont underdtand what happened and wish someone would tell me instead of hiding this from 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 2021-08-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Ok i am currently looking for a rental for family and I and came across this property for rental on XXXX XXXX. So I contacted the person via text and she stated still available but had tenants moving out on XXXX so I said great I have to move out of where I am by end of month so we preceded she sent me an application {$50.00} then returned response that I was approved following this she stated for me to pay her the amount of {$700.00} to hold the property and so she can take off the market so I sent her the {$700.00} via XXXX to her attorney, so next she came back that was received so now she will send me the lease agreement to fill out sign and return so i did. then she proceeded with the tenants asked for extension so now walk through will be on XXXX and that she had a business trip to XXXX she will send the keys to me via Mail to my current address. so she then asked for the XXXX month rent {$1500.00} via XXXX and that i would receive paperwork on the walkthrough day. So she emailed me a tracking number for the keys I was gon na receive. then the day I was supposed to receive it said customs fee needed to be pd they were on hold. So I emailed her of this info she started another scenario of she had to pay extra $ to send me the keys can I help her pay also that she had bought a house out in XXXX now by this moment I knew i was done she had stiffed me out of my money!!!! Also I do have all the text messages and the lease agreement, application that i filled out just could not upload it. I am a working single mother which is now out of this money and still looking for a place to live by the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: AL
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/2019 I sent a valid dispute to Equifax due to 30+ items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts. A closed or collection account can not also be past due, that's a violation of my rights. I asked for validation under FDCPA611. On XX/XX/2019 I received a response stating the items were updated or remain On XX/XX/2019 I mailed a 2nd request to Equifax asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer FDCPA section 809 ( b ) cease collection and communication of debt until verification is mailed.

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days.

Equifax has continued to violate my rights. First by ignoring my 2 valid requests of validation from which Im entitled to by law within 30days. Second, they continue to violate my rights with each request Ive sent, Equifax updated the accounts in question to a paid late status on 20+ accounts going back years which are reporting as closed. Mind you none of these accounts have been validated but Equifax updates the late status on closed accounts which is a direct FDRCA violation, and it seems as if with every request I send the further they'll go back with the late status on all these closed accounts. 

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under the allotted 30days based on law FCRA611. 

Since Equifax did not comply with any of my 2 requests within the time frame allowed they need to delete the disputed accounts. Please have them comply with the law and my rights by having these disputed accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: HEARTLAND PAYMENT SYSTEMS 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: Account status incorrect

Complaint:
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX was entered into consumer transaction with Capital One ( 01 CAPITAL ONE N A Account # XXXX ) on XX/XX/2015 or XX/XX/2015, I dont know the exact date because you guys are reporting to different date open dates to the credit Bureaus. It is illegal to report inaccurate information to a credit report, especially without my written consent under 15 USC 1681b so you have already broken the law. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CAPITAL ONE took cash. It is illegal for you to sell me my own credit, you are merely just a credit extension with no power, I hold all the power as I am the original creditors, and without my credit, you wouldn't be in business. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because CAPITAL ONE got the loan 15 USC 1431. Capital One used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by capital one illegally to obtain my approval status for an extension of credit. You continue to call my phone and send me emails telling me how you cant assist me, this is harassment and abuse and I feel very harassed and abused and Im pretty sure a judge would see how I could feel harassed and abused by your actions.Whoever keeps trying to contact me with this phone number XXXX XXXX ext XXXX ) will be prosecuted in court for harassing me via letters, emails, and phone calls. You have all the power to assist me by no longer violating my FDCPA, & FCRA consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Experian Information Solutions Inc.
State: DE
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:
Greetings My name is XXXX XXXX. On Two Occasions, XXXX obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively

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 2017-09-12
Company: EQUIFAX, INC.
State: GA
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:
The Equifax hack has resulted in my personal information being released into the public domain. I 've attempted a credit freeze with equifax, however both phoning and web attempts to freeze my account have been unsuccessful. The phone number provided by their website does n't actually offer the option to freeze my account, and the website does n't load.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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:
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX   ( Original Creditor : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
UNFAIR CREDIT REPORTING CLEARLY, XXXX   SIDES UNFAIRLY WITH BANK AGAINST CONSUMER. ( Conflict of Intrests. ) See attatched XXXX REPORT XXXX for XX/XX/2020. XXXX I DID NOT OPEN THIS ACCOUNT. THAT FACT SHOULD BE ENOUGH. I requested copies of XXXX License and written signature to open this account ** TO NO AVAIL. I provided ID THEFT case XXXX Report. XXXX DENIED A FIX REQUESTING PERMISSION FROM FURNISHER OF INFORMATION. UNFAIRLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.

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 2021-02-12
Company: Experian Information Solutions Inc.
State: VA
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:
The Courthouse stated that they did not report to Experian nor XXXX  that a bankruptcy had been filed in my name. This information that is being reported inaccurately on my Experian and XXXX is in severe violation of the FCRA which states that my privacy is being violated and it also states that a bankruptcy should not be reported beyond 10 years. It does NOT state that it has to remain on the report for 10 years, which is what I am being told by each rep that I speak with.

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 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I took a ride for XXXX  with XXXX. On the very next day my bank processed a temporary pre-authorization transaction for XXXX twice in the amount of {XXXX. After speaking with XXXX they have since voided the transactions on their end however, the bank continues to hold the transactions and did not allow them to fall off within the XXXX as promised. They have held the funds since XX/XX/XXXX and claim that it will expire on XX/XX/XXXX is when XXXX They continue to do this with my account and make pre-authorizations for unnecessary amount of time. I feel that they have done this out of retribution of the filing the complaint the first and second time this has happened. I can provide a screenshot and emails from XXXX as well. When I talk to the bank they had lied to me and told me that XXXX had to reject the transaction when in fact the bank is holding the pre-authorization on their own terms and refused to release the money within the XXXX hours as promised but instead made it XXXX days. I am fearful to make any large purchases at this point as I feel they will do this again out of spite making jeopardize my funding leaving me immobile. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My then-husband and I took out a 1st and 2nd mortgage in XX/XX/XXXX ; we divorced sometime a couple of years ago. 

in XX/XX/XXXX some private Trust took over the 2nd mortgage and SN Servicing began servicing the loan. I myself never received any mortgage coupons, statements or billing/payment information. In XX/XX/XXXX, I received a Notice of Default and since XX/XX/XXXX have ben attempting to work with XXXX XXXX at SN Servicing to structure some time of repayment plan, modification, or other type on arrangement. Ms. XXXX repeatedly requested additional documentation until such time as she deemed the application complete on XX/XX/XXXX and would be reviewed. XXXX XXXX then informed me on XX/XX/XXXX that the XX/XX/XXXX sale would still move forward regardless of the fact that an assistance package approval is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
SunTrust opened a checking account in my name in XX/XX/XXXX. Upon looking into my credit report they requested a soft inquiry from XXXX  XX/XX/XXXX. I did not contact SunTrust asking to open an account. I have been receiving monthly statements showing a " XXXX '' balance.

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 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a home loan with BoA in XXXX of 2019 to which my taxes and insurance were to be paid in escrow. Every month my statement showed taxes and insurance for escrow to which I paid on time monthly. BoA failed to pay my insurance. When my insurance contacted me about non payment I called boa and they said theyd immediately wire the money over. They did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: NC
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:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
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:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection amount of {$310.00} was erroneously placed on my credit report in XX/XX/2015 and I was unaware of it until I checked my credit recently. I was never sent any official notice of this debt and I did not incur it. It should not be in my credit file because it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2020 I 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 30 days 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 have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX did not notify me of a lawsuit. Then got a default judgement on a debt that was outside the statute of limitations. Last payment of debt reported XX/XX/XXXX judgement was filed XX/XX/XXXX. XXXX is 3 years in my state

Company response to consumer: Closed with explanation