BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX -opened XX/XX/XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XXXX  XXXX  opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XX/XX/XXXX Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX XXXX XXXX is a XXXX homecare services based in Minnesota. We issued a payroll check to a staff. The staff deposited the check with TCF online into her account number and the check posted as paid by XXXX on XX/XX/18. TCF refused to credit the staff account on the ground that they were investigating the check, despite the fact that it had posted. A manager from healingtorch and the staff went to the TCF bank on XXXX XXXX XXXX XXXX in XXXX XXXX MN XXXX, and met with the Assistant Branch Manager on XX/XX/18 to clarify the authenticity of the check and payment. Evidence detailing the withdrawal from the business account and the check image received from XXXX that payment has been effected from XXXX were shown to them including the company 's online business account. Despite all effort, TCF refused to credit the staff account with the money posted to them from the XXXX business account of XXXX. This Bank 's action jeopardise our action to provide effective client service, diminishes our organization 's obligation integrity and put our staff in financial difficulty, and is unacceptable. See attached files for evidences.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: ACIMA CREDIT, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with Acima Credit and was told by Acima, that making a settlement payment would rectify my account. My paid the settlement agreement on XXXX XXXX. In XX/XX/2020 I contacted Acima by phone asking why the account still shows on my credit report. Acima assured me that by disputing this account with XXXX would be the best way to go to have this collections removed. So I disputed the account only to have Acima update the account stating that I settled the account in XX/XX/2020, which then resulted in my payment history to show as a new collection item for XX/XX/2020 as well as XX/XX/2020. I contacted Acima and XXXX  over 20 times a piece begging for them to update my file with the correct dates for settlement and correct payment history. I understand that having those 2 recent history for XXXX and XX/XX/2020 is negatively affecting my credit and it is hard for me to find a lender to assist me with purchasing a home. I am requesting that the entire account is removed from my credit file considering Acima is reporting inaccurate information. Acima simply will not correct their wrong doing and XXXX  is allowing Acima to report inaccurate info knowingly notated the actual settlement date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only response received was to question my identity. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to XXXX U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2018-08-10
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Complaint under the Federal Fair Credit Reporting Act ( FCRA ) I applied for a {$25000.00} auto loan on XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( application # XXXX ), while at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX. Hard inquiries appear on both my XXXX  and XXXX  credit reports from both XXXX XXXX and XXXX   XXXX XXXX on this date. XXXX XXXX declined my application stating in writing that I have a previous repossession with their company. They have refused to give me any additional information or even speak with me. I have never had a loan much less a repossession with XXXX XXXX or any other company. Additionally, my credit reports are clean and do not contain a repossession or any negative information. 

I believe that I am a victim of identity theft. Under the federal Fair Credit Reporting Act ( FCRA ) I have the right to any and all information XXXX XXXX has on file about me and to dispute any and all inaccurate or erroneous information. 

Again, I have never had a loan or cosigned on a defaulted loan with XXXX XXXX or any of its affiliates. Nor, have I ever defaulted or cosigned on a defaulted auto loan of any kind from anyone. Therefore, I dispute the information XXXX XXXX has in their files as false and it must be removed. 

Contacts I have made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Very Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2019-09-16
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, my mother passed away, unexpectedly. As she did not have a will and her estate was well under {$100000.00}, I was able to fill out a Small-Estate Affidavit pursuant ot 755 ILCS 5/ART. XXV of the Probate Act, Illinois compiled statutes, as amended by Public Act 98-0836. I had the affidavit notarized at the XXXX County Court House in XXXX, Illinois, on XX/XX/2019. I then took the affidavit to the PNC Bank branch at XXXX XXXX XXXX XXXX in XXXX, Illinois, in order to close out her account so that funds would be available to pay her remaining bills and funeral expenses. The funds, in her account, are as follows : {$10000.00} in checking and {$1100.00} in savings. I was told that the affidavit would be submitted to their legal team for review and the funds would only be released once approved. I waited until XX/XX/2019 to contact the bank again as I had received no response. I was told that the affidavit needed to be updated to include the exact amount of money in each of her accounts so I did as instructed and submitted an newly notarized copy to the PNC Bank branch XXXX XXXX XXXX XXXX, XXXX, Illinois, on XX/XX/2019. I waited until XX/XX/2019 and contacted the XXXX branch as I had still not received any communication from PNC and was told that the documents were still under review. I then contacted PNC Bank on XXXX ( as I could find no other way to contact them ) and was told I would hear something within two days but as of XX/XX/2019, I have heard nothing. In the meantime, my mothers accounts are accruing late charges and I am unable to even purchase a headstone. This is unsatisfactory and I feel PNC Bank is unlawfully holding her accounts in violation of 755 ILCS 5/25-3 ( recovery upon refusal to pay or deliver ). I would seek the assistance of an attorney, however, I am unable to afford such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX were contacted and proof that the expenses on that account were done by me. They replied back with a copy of the credit card statement showing the purchases but no receipt proving that was an authorized purchase done by me. in another word, the company was unable to provide proof and evidence that the purchases were done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-22
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Deposited {$50000.00} into checking account with Citibank XX/XX/XXXX via digital transfer online to receive their claim of {$750.00} reward if leaving such amount deposited for 2 months. 
Also deposited another {$45.00} from another account as well as depositing a check for {$850.00}. 
Instead of honoring their advertisement, they froze my account due to " possible fraud '' from depositing a check and have held my money hostage since. 
Not only did they finally admit to the initial {$50000.00} but they would not add the amount of the {$850.00} check deposit without confirmation from the issuer EVEN THOUGH they had already withdrawn the funds from their account. 
They where actually going to just keep that for themselves as well. 
Now that we've gone through these steps, it's XX/XX/XXXX and 30+ calls later, each employee that answers my call either hangs up on me after putting be on hold for 30 minutes ( AT LEAST, ) but never has the information " taken down '' from the last call. 
Ask for a supervisor, and they give you someone that gives you the same lines and hangs up on you after waiting sometimes an hour. 
Every time I provide information again, it's " not in the file, '' but they DO have my " case number. '' Refuses to give a phone number for a legal department and most refuse to give you an employee or supervisor ID number. When they do, it's fake. 
Supposedly going to get a call from a superior in 24-48 hours for the third time. Hasn't happened once.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score was XXXX yesterday and when I checked today it had decreased by XXXX points. I have 1 credit card which I am always on time paying. I am not sure why there was such a huge drop. Calling transunion did NOT help and the person had a language barrier. Nothing has changed on my report except I charged on my card. Please explain and advise what I need to do

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 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My name, social security number ect were used in identity theft rheir for i can't apply with postmates

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 2023-08-14
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-02-22
Company: EQUIFAX, INC.
State: OH
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 XXXX  Account XXXX XXXX  # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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: Account information incorrect

Complaint:
Hi XXXX  keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX, and XXXX. 

Personal information Employers XXXXXXXX XXXX XXXX  ( Not valid ) XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX PAST DUE 30 DAYS, REMOVE DOUBLE ACCOUNT ( # XXXX ) REMOVE ACCOUNT PREVIOUSLY DISPUTED COMMENTS AND CLOSE DISPUTE XXXX XXXX XXXX Account number XXXX Last Payment date XX/XX/XXXX Delete continues double print XXXX XXXXXXXX XXXX Account number XXXX Last Payment date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX balance {$32.00}, XXXX XXXX XXXX XXXX Account number XXXX balance {$260.00} closed 1 month term ( Double print ) ( please remove ) XXXX XXXX XXXX Account number XXXX balance {$260.00} closed 1 month term PLEASE REMOVE INQUIRIES UNAUTHORIZED INQUIRIES Unauthorized & shopped around auto inquiry - XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI 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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX  Account XXXX XXXX  # XXXX, has violated my rights. 

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

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 2018-01-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The complaint is against XXXX and Lakeview Loan Servicing. They have not properly credited my payments of principal reduction and continue to charge me interest on principal which I have already paid. They are not crediting my payments in a timely manner. See attached : back of check indicates it was received on XX/XX/XXXX, it was not applied to the loan balance until XX/XX/XXXX. They also did not apply my extra payment to principal as requested, but applied it to the payment due on XX/XX/XXXX. See attached letter and payment statement from XXXX. They have not responded to my correspondence.

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 2023-03-10
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient is the loan serviced. They call everyday threatening to have me arrested at work for default. The minimum payment they are requesting is over 2,000. I am a single mother barely making it as it is. I have tried to negotiate a lower payment and they forbid to help me. No one can give me details on the loan, such as amount borrowed or when it was borrowed.

Company response to consumer: Closed with explanation