BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Santander Consumer USA Holdings Inc.
State: TN
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 ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX  CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TD BANK US HOLDING COMPANY
State: DC
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 company is in clear violation of the fair credit act 15 U.S CODE $ 1681c for reporting fraudulent accounts of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Upstart Holdings, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have made all my payments on time starting with the first one. There is a 30-day late payment on my credit report. I have tried talking to the lender about the error and they can't or won't help me fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to Experian, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and made phone calls ( and spoke to ) Experian customer service regarding XXXX XXXX Account XXXX reporting a XXXX delinquency in a month for which I was current 30 days prior ( according to Experian 's XXXX data on my credit report ). My letter, attached, states : XXXX. In XX/XX/XXXX, I was current ( as noted in XXXX version of my credit history ). 
XXXX. However, in XX/XX/XXXX, Experian is incorrectly reporting my XXXX account as 90 days past due ( impossible since I was CURRENT 30 days prior ). 
XXXX. In XX/XX/XXXX, Experian is incorrectly reporting my XXXX account as 90 days past due ( impossible since I was CURRENT 60 days prior ). 

I received a dispute resolution ( Experian ) Report Number XXXX Date Generated XX/XX/XXXX, and Experian refused to correct the obvious errors.

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 2023-07-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I never got a letter informing me that I must use the card or it would be closed. 
I ask that my account is reopened ASAP.

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 2021-07-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent several letters to Equifax regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged collectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case Equifax " MUST DELETE THE ACCOUNT ''. Equifax has failed to " Verify ''! Equifax has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called my bank to update my address two different times, my debit card was involved in an undisclosed breach and they sent my debit card to the address i specifically called to remove. After finding this out and being without a debit card for weeks I called and gave a series of intimate questions yet again lasting over 30 minutes just to remove that address. The debit card was eventually sent to a bank for pick up because they consistently sent it to the wrong address even after calling the second time. The support rep never removed the address off of my account and only added my new one to my profile. The debit card was hacked again and I requested a new one a few weeks ago, they promised it would be sent to the correct address, they sent it again to an old address and said it was a computer error, they charged me {$25.00} two different times for it to be re sent and I had to fight them to refund that fee. They still haven't removed the old address from my account and blame me for not having it updated. This has been the worst headache of my life and key bank has been nothing but unhelpful, their untrained employees have me scared that they hold the ability to destroy someone's life financially with the smallest of mistakes. The tracking address I have proves it was sent to a non existent address and yet they claim it was sent to my current address, what lies I've been fed, this company is a sham and needs to be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-09
Company: CHECK INTO CASH INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXXXXXX XXXX XXXX name is XXXX check into cash. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
As of XX/XX/XXXX ( my XXXX birthday ) my parents opened up a capital one credit card in my name that I didnt know about until today XXXX XXXX. I had no intentions on getting a credit card until I finished XXXX XXXX  of XX/XX/XXXX. I had no idea a credit card was in my name. I would like to close this account because I dont trust that my parents will pay it off especially if its almost been 4 years anyway. I have proof that I didnt know about this as well just by looking at the address of the time which where the residence of my parents. Please this is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got the loan in XX/XX/XXXX from Consumer Portfolio Services for {$13000.00} on a XXXX XXXX XXXX from XXXX XXXX in XXXX, Va. My payments were XXXX with an added fee of {$12.00} to pay online. The only other payment option was to mail in payment which in turn would either have to be paid early or a late fee would be added. It is now XX/XX/XXXX and somehow, in the passing of almost two years of making payments on this car, I still owe {$12000.00}. How is this humanely legal and acceptable? No human being should be treated in this manner. Not only that, they report false reports to credit bureaus. Many of my payments that were made on time were placed as late and the balance that I owed has been {$12000.00} since XX/XX/XXXX. Not the balance of the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV
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 reveiwed a current copy of my credit report and show inaccruate information. Account name RASH CURTIS & ASSOCIAT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account numberXXXX. is showing as a collection/chargeoff with and open balance of {$750.00} and I understand this is a direct Violation of FDCPA. I understand a charge off account must report {$0.00}. I have disputed this account on a number of time and no reply has been given and its been more than 60 days. Which is a violation of FCRA. Please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened this account at the beginning of XXXX with BBVA Compass. I lived in XXXX because work, and I left the country in XXXX XXXX to work in XXXX. I kept opened the account in case I was coming back. I left to the XXXX XXXX address, my email and I left the credit card in autopay. I left also money in the checking account link to this account. I found the account in collections last year, XXXX XXXX, when my company sent me back here. I tried several times to change my address and fix this with the bank with no luck, so I closed the checking account and full paid the ''supposed debt ''. Then I request several times a statement to proof if I owed that money and to know where it came from. I did because my acknowledge of the rules here. In XXXX and XXXX, you paid and then claim if it was an error to avoid troubles. The bank told me by phone they would send a statement. I wrote letters with my data, address, phone, SSN, copies of the credit card, ... I never received anything or explanation. 
I claimed to the bureaus, but the information in the credit reports is not changing and it is confused, looks different in all of them and even different if you check on your phone or your check in your computer. 
I paid to XXXX XXXX to help, and for 3 months they didn't solve anything or gave me a clear information about how to manage this. I have spent around XXXX XXXX dollars to fix a ''supposed debt '' of XXXX dollars. I couldn't find an apartment to live without a co-signer. I have an annual salary of XXXX dollar and an international company covering my expenses, I have been working with them 15 years now around the world. 
I never missed a payment in any country for my rent, or my mortgage in XXXX, or utilities, nothing. 
I have asked a loan to Stilt just to build credit, when I didn't need it, only because this, and open accounts I wouldnt if wasn't for this to try to improve my credit and be able to rent an apartment without have to ask favours to friends to be my co-signers. No way to think in invest in a house here. I could have bought one with a good down payment, but instead, I have to spend and I will spend around XXXX dollars in renting during years. 
Please, I ask some help here as this is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2020-06-04
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I contacted Citibank via chat to determine how to close my High Yield Savings account ( {$250000.00} ). I was told I could close it via the chat then but told them I would do it via phone conversation. Tried closing the account on XXXX XXXX and was told my account was blocked due to fraudulent activity that I was not informed of. Was told I needed to send proof of residence to Citibank. 
Bankbymail XXXX XXXX XXXX XXXX XXXX tx XXXX I send on XXXX XXXX next day delivery. Called back again on XXXX XXXX and was told the account was under review. Called back on XXXX XXXX and they are giving me runaround like many others Ive seen online. Have waited hours at a time on hold. Its one delay after another. They verify me on the call why does it take a proof of residence to a PO Box to unlock 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 monetary relief
Consumer complaint received 2023-06-06
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
It is now XX/XX/2023 Usbank has caused a traumatic financial hardship for me and my entire family. I was notified that my account is being closed and to wait on my remaining funds in the mail. I have contacted the responsible department that placed the hold on my account several times. I am unaware of where my money is also when will it be returned? It is now going on 6 weeks since I have lost authorization to my funds. I have not been confirmed nor notified on whether both accounts have been closed. Every Usbank customer service representative is unaware of what's going on with my money or when it will be returned to me. 

I have a family to feed and I have bills continuously coming that I'm unable to pay. My child 's graduation events had to cancelled due this hold placement. Having to explain that to my child is absolutely XXXXThis has caused repeatedly traumatic financial hardship on me and my family. I will continue to contact XXXX also the local network to get my story out as I continue to wait on my funds. We are going on 2 months now.

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 2021-06-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Essentially said organization claimed that they had a court case that I have yet to find anywhere on XXXX. Contacted relatives that they were not supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX XXXX XXXX, XXXX XXXX XXXX. Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done. 

However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) and inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.

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 2021-05-08
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX and XXXX XXXX  XXXX XXXX reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Synchrony Bank home designed credit card ) placed on my consumer report by XXXX, XXXX, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Synchrony Bank home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.

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