BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: LA
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:
These accounts attached are in clear violation and your company has not tried to fix this problem yet. I gave you many chances to fix your problem but you just failed to do your job.

In the letters i sent you before i told you that the accounts you are reporting is in violation of 15 US Code 1681e ( b ) you was suppose to make sure everything across all 3 credit bureaus report 100 % information to my consumer report. Instead the date open, date last active, payment history dates, account numbers, balances, Inaccurate amounts payment status and inaccurate across all 3 credit bureaus XXXX, XXXX and equifax. 
I also sent you another dispute and told you that you violated 15 usc 1681b ( a ) ( 2 ). You was only suppose to report these accounts below with my consent and with no other reason. I never in my life gave you consent to report these items but yet you still reported it you violated the U.S CODE LAW. I have ask you to remove these accounts many times you ignored me. Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consmer report No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This complaint is more of additional information to a previous complaint # XXXX. In that complaint I reported that Equifax claims they can not find a file using my identifying information. In other words, I don't have a credit file according to Equifax. However, just today I received something from Equifax that belies that claim. What I received today is a confirmation # XXXX where in they assert that they resolved my earlier claim, which was that they are reporting my credit data incorrectly. Specifically, they are FAILING TO report a DISMISSED bankruptcy in XXXX and a later DISCHARGED BANKRUPTCY IN XXXX XXXX. 
So now, with their accurately mailed confirmation to XXXX XXXX they have proved they have my file. But they are still reporting inaccurate data in my file. 
After wrestling with this for over 6 months, I ready to say that Equifax is INCAPABLE OF COLLECTING AND REPORTING PUBLIC INFORMATION. WE ARE KNOW ABOUT THEIR INABILITY TO KEEP DATA CONFIDENTIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: FL
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 account number XXXX has violated my rights 15 i 15 u.s.c 1681 section 602 A ..state that I have the right to privacy. 15usx. 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 2021-07-19
Company: KEYCORP
State: NY
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 was reviewing my Key Bank credit card transactions on line on XX/XX/2021 and noticed that virtually all my reward points were gone. I had close to XXXX XXXX reward points that were transferred from prior Key Bank acquisitions, notably XXXX and XXXX XXXX XXXX. I had XXXX points as of XXXX, and it dropped to XXXX points on XXXX per the Key statements, which I will attach to this complaint. 

I immediately called Key Bank on their recorded lines and was give a run around for over 60 minutes. They had told me they had expired. However, I was give no notification or warning that there was an expiration of these acquired points. XXXX and XXXX XXXX points did not expire. I was told on the recorded line it was important to know these were prior acquisition points and that a supervisor would review and contact me within 48 hours. I have not received a return call to date. 

I had been savings these points for a retirement trip vacation with my wife. Had I been advised that these were to expire, I would have used them for other purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My job closed for a week, which caused a significant loss in wages. I applied for a loan modification XXXX/JXX/XX/2019 with Bank of America. I submitted all documents that was written on the modification application. I was quickly denied due to not able to verify my assets or source of funds, but I qualified for a short sale. I did not understand why I was denied and I desperately want to keep my home, so I called my representative. I've been assigned several representatives in which no one has been able to consistently answer or explain my denial. The first application and denial, I requested a re-eval with an explanation of not being able to verify my assets or funds. After this request, I was not able to reach my representative anymore and was tossed around by any representative who answered the phone. I had to explain my situation over and over again, which became frustrating. I was getting further behind in my mortgage with no help. I was still sending in some money. I soon re-applied. Shortly after re-applying, I was denied for the same reason, not able to verify my assets or source of income. My assigned representative was now XXXX XXXX. I tried to explain to her my unexplained issues from the first representative, but she didn't seem concerned as well. I even spoke to someone on the underwriter team. Eventually, I kept searching for help because I am a first time homeowner and single parent and desperately trying to keep my home with outstanding arrears. I found XXXX and received help from them. I had to re-apply. After reapplying, and going through XXXX, I was denied once again for the same reason, unable to verify my assets or source of income. I have a new representative with Bank of America ( XXXX XXXX ) and I have called numerous of times and left several messages with my new representative. I have submitted ever document they've asked for. I have not received any answers. I DO NOT WANT TO LOOSE MY HOME. Please help me!

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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 non-monetary relief
Consumer complaint received 2018-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 HAD NOTICED A CHARGE ON MY CAPITAL ONE ACCOUNT OF XXXX IN XX/XX/XXXX. CONTACTED THE COMPANY AND THEY HAD TAKEN THE CHARGE AWAY. I HAD FAXED PROOF TO THEM THAT THEY CHARGE IS DIFFENTLY FRAUD. I HAD FAXED THEM A COPY OF THE COMPANY THE CHARGE WAS FROM. 
CAPITAL ONE HAD PUT THE CHARGE BACK ON MY ACCOUNT ON XX/XX/XXXX. I HAD CALLED THEM AND THEY REFUSE TO TAKE THE CHARGE OFF. I HAD REFAXED THEM THE PROOF ON XX/XX/XXXX. WITH A LETTER. I HAD CALLED THEM ON XX/XX/XXXX. AGAIN, THEY WILL NOT TAKE OFF THE CHARGE BECAUSE THEY SAID THAT IT IS MY CHARGE EVEN THOUGH I HAD FAXED THEM PROOF TWICE THAT IT IS NOT MINE. I was contacted to XXXX which is my fraud agent and she was not available. I was unable to leave a message due to her mailbox was full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: MD
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following to be corrected as soon as possible : 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 2022-02-04
Company: EQUIFAX, INC.
State: PA
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:
On XXXX XXXX I received a letter from the presidential office of XXXX XXXX XXXX  about the XXXX XXXX XXXX  card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where XXXX, Equifax, and XXXX is getting my information from if XXXX XXXX XXXX  said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX, I contacted American Express regarding my membership reward on an account that I have had with them since XX/XX/XXXX. I explained to the representative what I wanted to do with the membership rewards and he told me that my particular rewards program did not allow me to do what I was asking about which was transfer points to an affiliated partner. He at that point SOLD me on an additional credit card that American Express offers that I could do that with. I gave him the go ahead to open a secondary account with the understanding that I would be able to transfer the points to a rewards member. When I received the card, I called American Express to make that transfer and was informed that this new card did not allow what I specifically had asked for to do either. I spoke with a supervisor who was very apologetic and told me that American Express would listen to the recorded conversation as this is not their practice to open unnecessary accounts. She offered a {$200.00} statement credit, which I did receive, and led me to believe that American Express would be addressing the issue. She also discouraged me from closing the account. Two months have passed and I have not heard anything from American Express. I truly feel that I was fraudently led in to opening a secondary account under false pretense. 
I am not sure what if anything can be done but would appreciate some guidance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: SUNCOAST CREDIT UNION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Turner Acceptance Corp.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of aggravated identity theft. I ask that you re-investigate this matter and I demand to see proof with my signature on it that you have on file for the account listed. also note that the account XXXX XXXX XXXX XXXX XXXX XXXX is reporting as a charged off. {$11000.00} written off. {$14000.00} past due as of XX/XX/2023. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by the federal law to verify through physical verification of the original signed contract. Also, note that if the company has filed a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Information belongs to someone else

Complaint:
I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

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 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter.

To provide some context, I opened an account with your company on [ Date ] and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for.

I wish to outline the multiple attempts I have made to address this issue : I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen.

[ Date ] : After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days. 

[ Date ] : Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response.

[ Date ] : I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call.

Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter.

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress.

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to correct this late open account in my credit file XXXX XXXX XXXX XXXX Balance : {$210.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
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 these accounts for proper and clear reporting in my file that prevents from degrading my score. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$7.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Choice Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/16 my son had dental work performed by XXXX XXXX XXXX XXXX XXXX. We were told we owed a substantial amount of money prior to his procedure. So I withdrew the money from my 401K. Paid a large fee for early withdrawal, and paid taxes on the money we withdrew to pay XXXX for his services. This money was paid to them directly. Then during a follow up visit, I was told by the receptionist that we had a large credit on our account of {$1200.00} and would be getting a refund check due to us overpaying. I could only assume it was because we carry double dental coverage. We did receive the check a couple of weeks later and decided that since we had already paid the penalty fees and taxes for early withdrawal, then we would apply that money to other medical debts. Then we received a letter from XXXX stating they refunded in error and that they now wanted the money back. They had ample time to review this. I did not ask for money back, I never asked for a refund, they told me that we were due the refund because I overpaid them. We can not take another withdrawal from our 401K. We can not afford to pay more taxes and early withdrawal penalties either. This was their error, not mine therefore I should not be penalized for their terrible bookkeeping practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation