BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on 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 2023-10-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account info Account name XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}

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 2017-04-25
Company: EQUIFAX, INC.
State: MI
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:
M y Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX   )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} Medical XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I XXXX XXXX have been made aware of CFR violations committed by Bank of America in XXXX XXXX California. I notified the Financial advisor to the the bank about billing errors that were brought to my attention. He has made no effort to resolve my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: TX
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 on my credit report that there are incorrect accounts when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be corrected : ATTYGENERL XXXX Balance : {$5000.00} OFFICE OF THE ATTY GEN XXXX Balanced Owed : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Stephen Einstein & Associates, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am enrolled in a debt program since XX/XX/XXXX with the office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, New York Phone # XXXX. They have handled and settled all of my credit card debts with only the smallest one remaining. They reached a settlement with XXXX XXXX XXXX who was collecting the debt. The proposal was in the amount of {$1200.00} in XX/XX/XXXX. The original balance owed which included interest and late fees was {$3000.00}. There were to be three installment payments starting in XX/XX/XXXX through XX/XX/XXXX being the final payment. Apparently, I believe XXXX 's office did make any payments to XXXX XXXX XXXX which in turn they sold the debt to XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX indicating I owe Stephen Einstein & Associates {$3000.00}. I immediately sent them a letter on XX/XX/XXXX explaining all correspondence needed to be sent to XXXX XXXX XXXX 's office since I was enrolled in a National Debt Relief program. I also notified XXXX 's office as well. Whenever I would follow up with XXXX  office to see if they reached a settlement I was told they could need get in touch with Stephen Einstein 's office. They said they sent a Power of Attorney and were waiting for a response. Finally, I tried to call Stephen Einstein 's office and after several unsuccessful attempts I reached a receptionist who connected me to a XXXX XXXX XXXX at ext. XXXX who said he was the person handling my account. I told him I wanted to settle this matter as soon as possible. And I sent a letter by certified mail explaining I wanted to settle.He told me to let XXXX 's office know he was handling it and he would also contact them. I spoke with him on XX/XX/XXXX. A week later I received a complaint on XX/XX/XXXX that I was being sued by Stephen Einstein & Associates in amount of {$3100.00} which now include a filing fee charge {$75.00} plus {$7.00} service fee. Now I have to respond to this complaint before XX/XX/XXXX. XXXX XXXX XXXX 's office did not protect my interests and are not doing anything to resolve this matter quickly. They are charging me an additional {$200.00} to answer the complaint. Again I have made several attempts to have this matter settled and Stephen EinsteiXXXX 's office is not complying with my requests. 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 2017-06-21
Company: CarMax, 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:
After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX:XXXXXX2016 and XXXXX.2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: FL
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:
I paid for electronic services partially done at my home with a Citi Master card on XX/XX/18 {$1000.00}, and on XX/XX/18 {$1000.00}. The work was not completed, and the partial work done, stopped working. I contacted the vendor and made 4 appointments which were never honored, nor called. I contacted Citi to initiate a dispute immediately. I also researched the vendor 's company in XXXX and the corporation is in default, additionally, I arranged to send the parts he installed, to the address I had, and it was returned being that the place is empty, no business there. I gave all this information to Citi, and requested for this transaction to be considered FRAUDULENT. Citi responded on XX/XX/2018 that they couldn't help me anymore, and that their investigation was complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}

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 explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: GA
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 filed a bankruptcy in XXXX. I included a mortgage with XXXX XXXX Bank in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  properly updated the record. But Experian simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX I called Edfinancial who is my federal studnet loan servicer to request a refund for my payments made durng XX/XX/XXXX. I knew that because of the CARES ACT that i was entitled to a refund. They intially denied my request since I had recenlty paid down the loan. Then a few days later I called again telling the supervisor about the CARES ACT and they still denied me even though that was against the law. On XX/XX/XXXX and XX/XX/XXXX I called my student loan servicer Edinancial to request a refund for my student loan for the third and fourth time and they approved my request but they said it would take up to120 or150 business days to maybe receive my refund. My complaint is that they refused to refund my money back in XXXX of XXXX and they said it would take over 150 busiess days to receive my refund instead of 6 weeks like they did in the past. I found out that I qualify of the XXXX loan forgivness and if they keep me waiting for the 150 buisness days that would put me into XXXX making me miss the opportunity to have some of my student debt forgiven. The amounts I paid in XXXX are {$6000.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, and {$6400.00} XX/XX/XXXX. They refused to refund me these amounts in XX/XX/XXXX and now they say it will take over 150 business days forcing me to miss the student loan forigiveness deadline.

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: Google Compare Credit Cards Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was recently scammed out of XXXX on purchasing XXXX pay cards through my XXXX apple I have then closed all my accounts and contacted my nearby police station

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In early XXXX, I noticed unauthorized charges on my Wells Fargo credit card. I called Wells Fargo and was told it would be looked into and adjustments would be made. Approximately 2 weeks later I saw that reduction of approximately {$600.00}. Had been made to bring credit card balance to approximately {$1.00}, XXXX. ( I 'm on a fixed income so as usual when I get paid once a month I pay my bills imediately so not to fall behind ) Well! I get a letter from Wells Fargo saying that " because I had made my monthly payment '' Wells Fargo has reversed the non authorized charges and put the non authorized charges back on my Wells Fargo credit card for me to pay. So Wells fargo did not and does not want me to pay my monthly payment. saying : if I make my credit card payment I 'm to be penalized simply for paying my bill. ( When I paid my  bill the corrected amount was showing. So therefore it said $ payment was due on the adjusted {$1600.00} credit card balance. So now I 'm not going to pay Wells Fargo Credit Card - per Wells Fargo if I pay it it 's  validating the transactions that were not mine. That seem illegal - if I pay I 'm penalized, if I do n't pay my monthly payment I 'm penalized .... So it appears I am not to make my Wells Fargo credit card so I wo n't be penalized? Now my credit card info is all messed up they have made a mess of this and it was already adjusted to {$1600.00}. Not a single person said " do n't make you monthly credit card payment or you will validate unauthorized charges and have to pay the unauthorized charges. I 'm so disgusted that Wells Fargo would do such a horrible thing to any customer - it 's shameful and Wells Fargo gets my XXXX check auto deposited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX credit card with XXXX Bank and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Affirm 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: Information belongs to someone else

Complaint:
Affirm has several accounts with my name and information on it. Fraud has occurred. I closed out stolen cards and XXXX account linked. I tried calling and they act like they cant help transferring me over 21 times to different t departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a guard rail was damaged in a vehicle accident on the Florida XXXX. The driver of a truck owned by me was run off the road, Even though there were 2 witnesses to this fact the Trooper ( she was new/in training had to call her supervisor to ask what to do ) charged him with the accident. We hired an attorney and the witness statements were reviewed so it was dismissed, no charges to the driver. XXXX XXXX company confirmed if no charges then there is no liability to pay for the guard rail. This was all communicated to : XXXX XXXX Claims Assistant, Office of the General Counsel - FDOT, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. All documentation of dismissal and attorney 's contact information was provided. 
But then on XX/XX/XXXX I received a collection notice for guard rail damage {$6100.00} due to FDOT from Municipal Service Bureau, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 
It stated I could dispute within 30 days and they would mail back to me a verification of this debt. I then sent them a dispute letter via certified mail and I have proof they received it XX/XX/XXXX. I requested they check with FDOT as there is no liability on my part and I requested they close the case as invalid. As of today they have not mailed me any type of verification. They continue to have their agents call and leave messages that I need to pay this invalid debt. When I call back asking about my dispute no one will even acknowledge I sent one. I am being harassed over a debt that XXXX XXXX Co would have promptly paid if I owed it. I have a full property damage policy. I have again written to them today requesting they cease and desist.

Company response to consumer: Closed with explanation