BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: Tormey Bewley Corporation
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 information incorrect

Complaint:
My complaint is about XXXX XXXX XXXX reporting ONE debt as TWO debts. They are listing it with two different account numbers and two different balances ( {$710.00} and {$700.00} ) when it is only one debt which is owed to a dentist for {$700.00}. These two listings are on all three credit reports, XXXX, XXXX, and XXXX. I have disputed these two listings repeatedly thru XXXX and by mail, requesting the accuracy of these two listings be verified or removed. Each time, nothing is done, the investigation report comes back as verified and correct on this bogus double listing. I am at my wits end not knowing how to fix this error on my credit reports since XXXX XXXX XXXX is incorrectly verifying these two accounts as accurate, claiming I owe over {$1400.00} when only {$700.00} is owing. This has been negatively affecting my credit reports and lowering my credit score for over a year now while I have disputed it over and over without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
It took more than three weeks to get customer service to stop denying the existence of a XXXX wire so it could be credited it to my account. That was finally accomplished, but now I can not withdraw or trade the funds. They have stopped sending the confirmation emails that are necessary to execute transactions. Interestingly, I did get emails confirming submission of a new customer service ticket asking for help on this matter. So clearly, my email is not the problem. Only the emails related to my control of my account are not arriving. It is now a month since I have had control of my money. All I want to do is withdraw my funds, but I continue to be blocked. There has been no response to my email request for help for 4 days so far. Based on previous experience, it will take another month to work this out because they take an entire week to respond to each email, and customer service staff do not read what customers write in their emails. I am incurring significant opportunity cost in the form of lost profits. There are many complaints online about this company doing the same to other customers : not crediting wires, blocking account access, not sending emails for execution of transactions, refusing to respond to customers for weeks. Given that they are effectively and illegally holding their customers ' funds, they need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 I notified XXXX, Equifax, and XXXX about a Federal Violation about my consumer report. 15 USC 1681b Permissible Purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. 
Concerning the account listed below as a consumer, I am demanding a deletion of this account. 
XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian : Date : XXXX XXXX, 2017 Report # XXXX Former or Current Employers On my credit report is missing one of my current Employers for over 2 years XXXX XXXX XXXX. Phone # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have given my Employer address as well as a check stub from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
By the law the credit reporting agencies are given 30 days to investigate an issue, by law, if accounts are reported to be fraudulent, items should be blocked within 4 business days. In my case neither of these happened and I am asking that the credit bureaus be held accountable and that all the items in question be deleted immediately. My documents, with credit reports and Identity theft affidavit was mailed back in XXXX of 2021!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: UT
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 h ave requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by Equifax inXX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the XXXX Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. Equifax, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge.
I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification.
To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XX/XX/XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.

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 2022-01-19
Company: CL Holdings LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2021 I Request in writing by a Certified mail domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation from Jefferson Capital System to provide me with competent evidence that I have any legal obligation to pay you Jefferson Capital System they sent back a bill I sent another letter on XX/XX/2021 requested Declaration of some type of proof. if your office fails to respond to this validation request and don't send all pages of how you Jefferson Capital System validation the debt, show me the Original Contract that I signed any thing other then a paper bill, payment history, interest rate, payoff disclosure, amount paid since the debt was purchased within 30 days from The date of your receipt Jefferson Capital System sent a letter confirm that they closed their file and terminated collection action but they did not deleted nor remove it how I read it as they will sell the debt knowing its not a validation debt According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification of the original signed consumer contract any and all account you post on a credit report otherwise, anyone could fraudulent a account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
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:
As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, Experian and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated

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 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
scam robocall for a credit company. an automated voicemail that said : Hello, this is XXXX  calling from the underwriting department regarding your capital one credit card account. Based on your recent payment activity and balance you maybe eligible for an interest rate reduction to as low as 1.9 %. Theres additional information I need to confirm ... call ... .at XXXX XXXX XXXX XXXX XXXX .... Call from ( XXXX ) XXXX United States XX/XX/21 at XXXX Call from ( XXXX ) XXXX XXXX XXXX TX XX/XX/21 at XXXX XX/XX/XXXX I dont have a credit card with capital one I am on the National Do Not Call registry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a Notice of Violation of ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I applied for a loan modification XX/XX/XXXX with U.S. Bank and received a Notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. RE : Right to Property Valuation Documentation ( attached here as A-1 ) The Notice clearly stated that they would promptly send notification of the of the property value, and provide me with a copy of the appraisal report as required by law. U.S. Bank conducted two separate Property Valuations ( attached here as A-2 ) while reviewing my loan application and failed to provide me a copy as required by law and violated the ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I received a loss Mitigation Determination from U.S. Bank dated XX/XX/XXXX ( attached here A-3 ) that advised me that I was denied a loan modification due to not being able to complete a property inspection. Not only was a property inspection completed during the review of my application, there were also two separate property valuations ( Appraisal/BPO ) conducted and completed during that time. This information is false, misleading, deceptive and unfair and clearly violates UDAAP ( Dodd-Frank Act, Sec. 1036 ( a ) ( 1 ) ( B ) ; 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) misleading borrowers by providing false or deceptive reasons for denial. This false and deceptive information also violates RESPA under 12 U.S.C. 2605 ( k ) ( 1 ) ( C ), due to the Servicers failure to correctly evaluate a loss mitigation application.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Trans Union is reporting a {$130.00} balance and saying being reported accurately. This is not true. Two times I filed a dispute with trans union both times they reported information being reported accurately there is a balance of {$130.00}. Twice I have spoken to the creditor XXXX XXXXXXXX and they assured me they reported to trans union this is paid and XXXX balance. But trans union claims there reporting this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Citi Credit card provides a XXXX score when I log into my account. This score is supposed to be from the credit bureaus however the number appearing on my Citi account is completely different over XXXX points less then my actual scores with the three bureaus. I have reached out to all three bureaus to make sure my accounts have not been compromised. I also reached out to Citi that the number they are reporting seems to be inaccurate and might be linked to someone else ( I.e. a bad API link on their system ) because the bureaus all have my data correct and up to date. The score also matches my credit monitoring service to Privacy Assist. Citi is not will to look into this issue and continues to send me emails about my score going down, issues, etc. This is clearly a problem with their system. If they are not going to report the right information they should remove this data from their service offering.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I made payments to my american express card that Amex sent back because the payment could not be processed and charged me a {$35.00} fee. This happened three times over the course of 2 months. I had enough on my bank balance to cover the payment to Amex so I spent countless hours with Amex and my bank and finally both of them together in order for them to reverse the fee charges. So it seems that they had returned my payment with a reason and charged me a fee for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to COMENITY BANK and requested information for two accounts. I have yet to receive a response. 

COMENITY BANK is in violation of my rights as a federally protected consumer. 



accounts : COMENITY BANKXXXX account # XXXX COMENITYBANKXXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, 2017, XXXX XXXX, XXXX placed a collection account on my XXXX and XXXX credit report. The account is from XXXX XXXX in the amount of {$410.00}. I disputed this same account approximately 4-6 months ago as not being liable for the account due to fraud. The account was removed via my dispute but has now been sent back to XXXX and XXXX credit reporting agencies and placed on my reports once again. I 've attempted to dispute with the credit bureaus, but have not heard anything as of yet. This is week 3 without a response. I am asking for your help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: TN
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 submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/2021, I still have not received any response, which is more than 90 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of wrong individuals.

Company response to consumer: Closed with explanation