BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21 I wrote three letters, one to each of the reporting agencies, XXXX, Equifax, and XXXX. In each of the letters I listed inaccurate addresses, accounts and names that did not belong top me or that were not being reported accurately. By law we all know that any accounts reported on my consumer report must be reported accurately and fairly or else it is subjected to being deleted from my consumer report. Attached are the letters that I mailed to each reporting agency. I also sent out re-investigation letters XX/XX/21 in attempt for the agencies to actually do their job and do an actual investigation and correction of the items that I asked them to verify. I expect these items to be deleted and corrected on my report, I've spent much time in going over my report and recognizing these mistakes on your part, the least that your company can do is correct them. Ive attached the letters sent on XX/XX/21 and pictures and the actual reinvestigation letters sent on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 explanation
Consumer complaint received 2023-05-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent capital services is attempting to collect debt not owed to this company. I have contacts this company numerous times via phone, letter. This company refuses to remove debt from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: CT
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 dispute to have updated original loan amount of XXXX $ on my car loan with monthly payments of XXXX XXXX I also disputed the fact that my account was not in deferred status but was paid on time since XX/XX/XXXX until XX/XX/XXXX and should be reported on my account. Each month amount of XXXX $ was scheduled to be paid and were paid and should be reported. The balance on the account is XXXX $ and should reflect accordingly, instead credit agency removed my original loan balance to hurt my credit. I have summited documents to support my dispute, whatever credit report agency told me that they listen what creditor is telling them and creditor is telling me that credit report agency is reporting inaccurately so its back and forth hurting me and my finances, including job

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 2019-05-06
Company: PLAZA HOME MORTGAGE, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent two letters to Plaza Mortgage, dated XX/XX/XXXX and XX/XX/XXXX requesting that they re-imburse tax funds held in Escrow for 2018 taxes that they did not pay. I have confirmed that are aware that we made the payments and provided evidence that the taxes were paid. 

I received a phone call from the first letter during which a rep told me that they had already cut a check, but that I needed to call in 15 days to have them send a new one since that one " wouldn't be arriving ''. We have called, and followed up with another letter. On XX/XX/XXXX I received a response from my XX/XX/XXXX letter stating that they had " investigated our accounts and found that everything was in order ''. I believe that information is false as they should either show extra funds in the Escrow account, or show a non-cashed check that has not arrived to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. transunion, XXXX & XXXX asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: TN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax and XXXX continues to report an account as open and derogatory. The initial dispute with the data furnisher was issued in XXXX and it was rightfully removed from XXXX. Equifax and XXXX continue to close disputes in a short time saying that the dispute was complete. However, it is hard to believe that they are actually investigating the account b/c when XXXX conducted their investigation they got a conclusive response to remove the account. The account in question was agreed to be removed and forgiven under COVID 19 payment relief. It is paid in full and closed.

In addition, I requested that the bureaus notate on my file per FCRA requirements that the account was a result of a Declared Natural Disaster but they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, 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:
I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( Equifax and XXXX ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon checking my credit report I noticed that I have a ding on my report for something That should not be there. This account was closed years ago due to the fact that the fitness club did not open within a reasonable timeframe from when I signed up. I moved out of state and notified them that there was not a club near my home and for that reason, I was informed that my account would be closed. In addition to the aforementioned, I never received a " dunning letter '' or anything notifying me of this alleged debt prior to it being placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a atm and made a deposit of XXXX, the atm glitched and said I needed to call the bank. It did Not deposit any of the money nor give a receipt. I called the bank while still sitting at the ATM and was told not to worry they will open a case and refund the money. I received a temporary credit right away and that that was the end but no. I received an email a few weeks after stating that my claim was denied for XXXX and I could call and request the evidence that was used to determine their out come. I called right away and was again told not to worry and they XXXX would not be deducted from my account and they will escalate the issue. I received the evidence but it was just letters I had already received stating my claim was denied. Today not only was the XXXX removed from my account but also an overdraft fee of XXXX. This bank is clearly stealing my money!! All the have to do is count the money in atm the day I made the deposit. I was told not to worry the funds would not be removed from my account but they were. The rep lied to me and the bank stole my hard earned money. I keep calling the bank and they said there is nothing that can be done

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 2021-02-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I started a process to pay off my Citicard, in full. The balance due was over {$30000.00}. I contacted the company to see if I could get a pay-off amount and possibly have the payment lowered. I did email chats with representatives of the company and will try to forward those chats in chick they kept telling me what the balance was, but then the next month I would receive another bill. I contacted my attorney and he sent a letter requesting the account be paid in full since they did not reduce the balance owed. He then received a letter from them, I believe in XXXX, that needed to be notorized for them to release information to him and we did that within a timely manner. Since then, I have received no response and they have continued to bill me for late charges. I had applied for a XXXX credit card as I was told the balance had to be paid in full every month as I did not want to get " in the hole '' again like I did with Citi Bank. I was immediately denied for late payments due to Citicard even though it is in dispute. I have not heard anything from them and the amount continues to grow.

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 2017-12-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX XXXX, I began receiving numerous debt collection letters from Resurgent Capital Services for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent Resurgent Capital Services a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very XXXX XXXX XXXX. Despite my letter telling Resurgent Capital Services to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Several credit card companies have lowered credit limits without warrant or late payments. 
XXXX XXXX American Express XXXX Lowering available credit, without just cause, is also lowering ratios, which are lowering my credit scores. 
I have a woman owned small business ( XXXX XXXX XXXX XXXX XXXX ) I can not run my business without credit. 
I was disqualified from a lease of a dishwasher from XXXX XXXX XXXX. 
I dont think that credit companies, should lower my available credit, Without just cause. 
This is directly causing me ill affect to being able to run my restaurant. 
The declined lease was of my credit score from XXXX to XXXX, For no cause of my own. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: ND
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: Problem getting your free annual credit report

Complaint:
I have tried repeatedly over several weeks to obtain a credit report from Experian, as well as some of the other services they offer. They send me e-mails indicating I have membership ID XXXX, yet when try to log into their system, I get incorrect user ID or password over and over. I have reset my user name and password 5 times and I still can not log in. What is most frustrating, is that I believe the log in issue could be easily resolved in 5 minutes or less if they had a real live person you could talk to. Instead of that, they have an automated voice system and no e-mail support. 

I was recently turned down for an account with XXXX because of adverse information on my Experian report, while at the same time XXXX and XXXX are reporting excellent credit with a FICO score of XXXX out of XXXX. 

How can I fix a problem on an Experian report if I can't even get to it? Experian needs to have real, live customer service representatives available 18 hours a day, 7 days a week. 

In addition to this complaint, I will also be filing one with the XXXX XXXX XXXX  and the North Dakota Consumer Fraud Department.

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 2020-06-02
Company: Experian Information Solutions Inc.
State: CO
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:
CFPB investigations of the wrong account. I will like XXXX award account not a student loan that was included in the bankruptcy in XXXX the account was open in 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 explanation
Consumer complaint received 2021-02-12
Company: Resurgent Capital Services L.P.
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX and LVNV Funding. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Acknowledge Debt Resolutions
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I got a call from XXXX at ADR Billing, LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Said they were filing a judgment against me for a payday loan from XX/XX/2013 from XXXX XXXX XXXX, account number XXXX and balance due of {$1800.00}. I am not familiar with this claim and have asked them to send me something in writing as i believe this is fraud, and they said no and that I have to pay them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation