BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-22
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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX, Equifax, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX  XXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from Equifax on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: R & B Corporation of Virginia
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to submit a complaint against ( XXXX XXXX XXXX ) regarding unknown cable account ( s ) XXXX, XXXX and XXXX for {$670.00}, {$780.00} and {$500.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( XXXX XXXX XXXX ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( XXXX XXXX XXXX ) a certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/2018 requesting validation of the account ( s ) ( XXXX XXXX XXXX ) reporting on my credit report ( s ). ( XXXX XXXX XXXX ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditor ( s ) XXXX XXXX listed on my credit report ( s ) that ( XXXX XXXX XXXX ) claimed to be collecting for. XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) with them. Which I knew before contacting XXXX XXXX. I have not had an account with XXXX XXXX for over ten to eleven years. 
I advised the XXXX representative I was speaking with via phone, that XXXX XXXX XXXX was reporting three collection account ( s ) on my credit report ( s )  claiming to be collecting because XXXX XXXX sold/assigned the account ( s ) to them. The XXXX XXXX representative advised me there was no way XXXX XXXX XXXX would or could be attempting to collect on any account ( s ) that are over ten years old and in addition XXXX XXXX has absolutely no records of assigning any account ( s ) in my name to XXXX XXXX XXXX. Moreover, the XXXX XXXX representative stated cable account ( s ) /collections are uncollectable after three years in Louisiana due to the state statute of limitations and a seven-year federal statute of limitation for reporting to consumers credit reports. Therefore, ( XXXX XXXX XXXX ) have violated several state laws, FDCPA and FCRA. ( XXXX XXXX XXXX ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before ( XXXX XXXX XXXX ) reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect debt/account ( s ) beyond both state and federal statute of limitations. 
These erroneous entries by ( XXXX XXXX XXXX ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: EQUIFAX, INC.
State: NV
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 happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I had XXXX XXXX Costco card from XXXX until XXXX XXXX XXXX, all these time my payment was on autopay and made all the payments on time without fail. Costco informed me that XXXX XXXX XXXX onwards XXXX will be the official credit card of Costco and XXXX wo n't work after XXXX XXXX XXXX. On XXXX XXXX XXXX my XXXX stopped working and I started using XXXX for Costco purchases. On XXXX XXXX XXXX Citi bank sent me a statement which also includes the purchase I made using XXXX card with an interest due amount of {$34.00}. Since I had XXXX on autopay I was not worried about paying XXXX manually. Also, being used Citi for only 17 days I was not expecting any late payment issues. 

So here my question is why Citi bank charge for the interest? There is no right for citi to charge me any interest.

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 2018-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried filing disputes concerning personal information listed on my Equifax, XXXX and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to Equifax, XXXX and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been a Citibank customer for many many years and I had applied for a personal Loans and was denied. My fellow co worker down the same and they got approved and their credit was worse than mine and I honestly think I was denied because of my XXXX and XXXX XXXX. I feel there are very unfair practices with then. They separate me by XXXX and 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 2018-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed XXXX auto loan account is reporting a late payment in XX/XX/2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being pregnant and many complications. Please advise, thank you and XXXX bless. 
XXXX Account # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to US Bank at XXXX XXXX XXXX in XXXX, AZ, today and I tried to close two accounts that my deceased father had there. I am the heir and presented a US Bank statement with the account numbers and a death certificate both from 2009. I was told that they did not have a record of those accounts but that his social security number was in their computer. I was told that they could not help me and made an appointment with the manager for next week.

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 2020-12-16
Company: SYNCHRONY FINANCIAL
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 Some one purchase XXXX XXXX  and I didn't purchase this on my credit. When I tried to cancel it it would not cancel. This is an ongoing issue with this Paypal credit with Synchrony Bank as some one hacked my account.

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 2018-06-22
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:
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXXXXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXXXXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXXXXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXXXXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXXXXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because XXXX NEVER had any debt with your company!

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 2021-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just paid off over {$37000.00} worth of debt on my credit report, my score went up 6 points. 
I believe there is an unfair practice with the scoring process. 
I want a rapid rescore on my report and I want it to reflect what is owed in relation to my payment history justly I believe there is a double standard in this industry and it is XXXX motivated I want an investigation into the scoring process for all of the three companies I believe they score according to XXXX and XXXX as my score is drastically different than my XXXX counter parts who have much more debt than I do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried filing disputes concerning personal information listed on my XXXX, Experian and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, XXXX and Experian on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine.

My name is incorrect on all three and I have provided them the correct in
formation My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue

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 2018-05-22
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:
XXXX CFPB Ref No : XXXX -- -> Please Note : XXXX XXXX notified me in writing, dated XXXX, that account -- XXXX is not reported by them as it is not my account ( see attached ). -- - ( If they offered me a new {$5000.00} limit account in my name - I would ask how soon ). 
Equifax said " they are still working on it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I use XXXX to obtain my credit reports. For the last three years ( since about XX/XX/2017 ), Experian has refused to provide my credit report online. Each attempt results in the following error : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form.

XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been able to obtain my XXXX   and XXXX reports without any problems. 


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 2019-02-27
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2019-02-19
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS mailed me a letter violating HIPPA and trying to collect a medical debt. On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS received a certified letter from me asking to validate the medical debt they claim that I owe. The first letter I received from them had diagnosis, doctor 's names, procedures, charges and codes in the letter which violates my HIPPA rights. I have also attached the only letter they have sent to me before my certified letter to them. They have not validated anything with me after I asked for them to validate the debt and it has passed the 30 day mark. COMMONWEALTH FINANCIAL SYSTEMS are still reporting this debt on my credit reports. I also mailed them a cease and desist letter on XX/XX/XXXX due to the numerous phone calls throughout the day. I also contacted XXXX, XXXX  AND XXXX  and asked them to delete COMMONWEALTH FINANCIAL SYSTEMS from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Northland Group Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft by a family member, who is now dead. I have written several letters to XXXX about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to XXXX with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
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:
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 XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$80.00}

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 2018-07-15
Company: EQUIFAX, INC.
State: TX
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:
Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief