BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
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:
It appears that my credit file has been compromised. I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Ive had american express credit card since XXXX. I joined XXXX in XXXX i started the process for SCRA benefits  with american express on XX/XX/XXXX. I completed the process and application was sent. Told me would take up to 60 days. I received a Ietter by mail that my benefits had been approved. Waive late fees, waive over draft fee, waive annual fee but nothing on capping the interest rate at 6 %. i message back on XX/XX/XXXX and saw that my interest went from 14.99 % to 14.49 %. I then proceded to call american express on XX/XX/XXXX, XXXX they told me my SCRA benefits have been approved and that a letter by mail had been sent to me on behalf of my benefits. I told them i got the letter but my rate should be no higher then 6 %. So we resubmitted the application. On XX/XX/XXXX i message again just to see if my rate had been adjusted and i was told i had to wait 60 days because i had submitted application on XX/XX/XXXX. I message again on XX/XX/XXXX for my interest rate and notice it went from 14.49 % to 12.99 % so i proceed to complain about the situation. I requested that someone for high position call me. I received call from an american express employee and we had a 29 minute conversation on how they cant lower my interest below 12.99 % she said they already brought it down from 14.99 % to 12.99 % and thats the most they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Equitable Acceptance Corp
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was approached by XXXX XXXX and Equitable Acceptance to so called help me get loan forgiveness on my student loans. In the process of them so called helping me they have charged about {$1300.00} to do absolutely nothing for my student loan forgiveness status. All of the forms that I need to qualify for loan forgiveness are on the Federal Student Loan Website. 
XXXX XXXX and ( Equitable Acceptance ) which whom XXXX contracted out to collect their fee 's did absolutely nothing for me. 
They are charging people to handle their loans and loan forgiveness when they in all actuality are a needless middleman. In XXXX  when I first got involved with them they never even gave me the correct forms to fill out from the get go, in which all actuality I could have downloaded from the federal student loan website myself. I was then made to sigh up with Equitable Acceptance to pay a total fee of {$1300.00} These people are Scammers!!! XXXX XXXX and Equitable Acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 2021-11-09
Company: EQUIFAX, INC.
State: LA
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:
Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the XXXX withheld my XXXX income tax return of over XXXX to the Dept of Edu XXXX The 2 XXXX XXXX are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. 

The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These were covered and paid by XXXX. They were removed and then came back. I've tried multiple times going in circles. It's frustrating when u spend hours and hours to finally get these errors taken care of, only to pop goes the weasle, they're back. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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 attached letter stating the only way they would reinvestigate if they have Cancelled check or money order showing payment, etc. I have enclosed on the previous dispute the required documentation. I have a CASHIER CHECK FROM XXXX XXXX  CASHED BY XXXX XXXX AT XXXX XXXX  AND DATE ALL ATTACHED TO THIS LETTER AND THE PREVIOUS LETTER 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Both myself and my husband have been a victim of identity theft and fraud on our Truist Bank checking and money market accounts. Fraudsters were able to conduct 3 fraudulent check transactions out of our accounts without our knowledge, authorization or consent. The transactions are as follows : {$5300.00} on XX/XX/XXXX, {$13000.00} on XX/XX/XXXX, and {$9200.00} on XX/XX/XXXX. 

We believe the fraudsters were able conduct these fraudulent transactions by washing our checks and impersonating our identities. I discovered the fraud XX/XX/XXXX and immediately reported it to Truist Bank the same day. Truist Bank conducted an investigation ( claim XXXX ) ; and while the bank determined the transactions to be fraudulent, they have denied to reimburse us due to our failure to notify the bank within 30 days of the fraud. However, the fraudulent check transaction for {$9200.00} on XX/XX/XXXX was reported within the 30 day timeframe, which Truist Bank has yet to reimburse us for. 

We requested assistance from XXXX, who sent Truist Bank supporting documentation via mail on XX/XX/XXXX, which detailed the fraudulent transactions being disputed. Truist Bank received these documents and still denied to re-investigate and reimburse us on the fraudulent amount. Due to our ages ( XXXX and XXXX ) and health conditions ( XXXX XXXX XXXX, XXXX, and XXXX  ), we believe Truist Bank has failed in protecting us from elder financial exploitation, and are requesting the bank re-investigate this matter, and reconsider their decision on reimbursing us for the stolen funds. I am also requesting that Truist provide me with any and all copies of records relating the the fraudulent transactions, including the investigator 's report who has denied our dispute. I hope to be reimbursed for the fraudulent transactions which Truist Bank failed to prevent.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentiallity under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy.

15 U S C 1681 Section 604 a Section 2 it is also states a consumer reporting agency can not furnish a account without any written instruction.

USC 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the items of information .Any other adverse item of information other than record s of convictions of crimes which antedates than seven years.

USC 1681 s-2 ( A ) ( 1 ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX {$13000.00} - XX/XX/2023 XXXX  XXXX XXXX {$1100.00} - XX/XX/2023 XXXX  XXXX XXXX {$4000.00} - XX/XX/2023 XXXX  XXXX XXXX {$4700.00} - XX/XX/2023 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 2020-07-17
Company: Experian Information Solutions Inc.
State: OR
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:
XX/XX/XXXX I WROTE XXXX XXXX XXXX ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. IM REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM XXXX XXXX ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING ....

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME XXXX FOR XXXX ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...

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 2019-08-27
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: Was not notified of investigation status or results

Complaint:
XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX, XXXX when shopping at a local XXXX store, my personal check was denied by the check verification service they use, Certegy Check Services. XXXX can not answer why the check was denied but prints out a little tiny piece of paper telling you to contact Certegy Check Services at XXXX for assistance. 
This number is an automated service wanting your bank routing number, bank account number, social security and drivers license numbers. You can not reach a representative using this number. Going to Certegy 's website, I found XXXX listed for customer service. The person I talked to wanted all the same info and proceeded to tell me nothing. They give you a total runaround and can not tell you why your check was denied. You get " could be '' risk factors but they do n't have access to what risk factors are, your check did not meet the standards in their risk modeling software, but again they have absolutely no answers or reasons for denial, they just keep repeating the same canned answer over and over. They can not tell you if you will be at risk for future check purchases or which businesses use their verification service. Certegy can not verify funds due to federal laws protecting consumers bank accounts, so why are they even allowed to be in business? What service are they really providing business?

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 2020-07-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a trip using citibank 's Thankyou.com on XX/XX/XXXX using XXXX thank you points ( trip ID XXXX ). Later the trip had a significant schedule change so I called in XXXX to cancel the flight to get a full refund in the form of thank you points. The cancellation took over 90 days and I finally got the refund of the points back to my account on XXXX after calling the customer service again. However, when I checked my account back on XX/XX/XXXX -- the points disappeared. I called the customer service of citibank thankyou service and I was told that those points were refunded to a credit card account that has been closed/converted and therefore forfeited. This a unfair treatment to the customer as ( 1 ) citibank should not refund the points to be associated to an account that has been closed/converted ( 2 ) no one has informed me that these refunded points will just expire 3 days after it is being refunded and there is no way to check that on citibank 's website. ( 3 ) when I checked the website on XXXX -- the refunded points were shown under my active Citi Premier card ( 4 ) the refund process took over 90+ days after my initial call for cancellation. I contacted Citi 's Thankyou customer service several times on XX/XX/XXXX and XX/XX/XXXX ; during the last call, the representative said he had submitted a request to credit the points back to my account within 5 days ; but the points are not available as I checked on 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 2020-07-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2018, I was part of an eviction proceeding whereby it was agreed that the eviction would be dismissed upon payment of a total amount of {$2100.00}, which included rent due and lawyers fees. Because the landlord refused the submitted last month rent amount of {$1000.00} in order to comply with eviction laws, they wrote me a check for this amount, which I never cashed. This check is to this day in my possession. There was also a total of {$300.00} deposit paid which should have further reduced this total amount owed to {$790.00}, which I have advised them that I am ready and willing to pay. Genesis, the company which seems to have bought this debt has tacked on about {$1600.00} in late fees to this {$2100.00} figure, with no transparency as to billing or justification. They have repeatedly failed to properly account for the last months rent or provide a billing that either justifies the amount they claim is owed or why the additional late fees have been accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions 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:
There are problems with my credit report

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 2020-07-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: MI
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:
Checking my credit then I noticed someone used my information without my consent to call about XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX  on the date of XX/XX/2019 XXXX on the date XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX  on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX  /XXXX  on the date of XX/XX/2019 I need these items listed removed off my report its making me look bad as Im tryng to advanced in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Mercedes Benz Financial Services
State: DC
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:
XXXX is constantly reporting fraudulent information on my credit profile after I've asked XXXX to do an investigation into the fraudulent activity. however, XXXX is verifying fraud with no result on how they did the investigation. XXXX is in violation of the FCRA

Company response to consumer: Closed with explanation