BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is in regards to the Equifax cybersecurity breach. It is my understanding that I have been impacted by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX changed my car loan agreement without my consent. Someone in their office XXXX  my signature and changed the contract amount to get the car loan from XXXX XXXX who is now reporting on my credit report. I reached out to XXXX XXXX and they sent me documents with the a new payment amount and my XXXX signature for the new contract. I never agreed to the new contract or signed it. The original contract was signed by me on XX/XX/2019 for {$360.00}. They changed it on XX/XX/2019 and XXXX my signature on the new contract with the payment amount changed to {$390.00}

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 2019-03-27
Company: CITIBANK, N.A.
State: NE
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 balance transfer

Complaint:
XXXX XX/XX/XXXX I hold a Government Travel Card. I filed a voucher and had a credit of over $ XXXX to transfer to my account. Citi has a policy of not allowing a balance transfer for 10 days on their website. When I used a chatbot/customer service, every attempt at obfuscation, delay, etc, was thrown at me to prevent transferring the balance sooner. When I asked for an exception to policy, the chatbot or person used weasely phraseology, " Unfortunately, I am unable to make an exception. I apologize, '' which while true as she's or it is not empowered to do so, I had to elevate and ask who would. After that, I was sent paperwork to fill out. I was informed that it would take 2-3 business days to complete. I asked if there were any legal or technical reasons for the delay or if it was company policy, I was told it was policy and that an exception to that could not be made. I replied that they've transferred to my bank before, that there is nothing to verify that would take 2-3 business days. 

While possibly not illegal, I feel it is highly unethical. I detest being compelled by the government to use a card I didn't ask for and for which the government receives a kickback.

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 2023-04-18
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Velocity Portfolio Group
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from XXXX XXXX XXXX XXXX saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In XX/XX/2020 we had a house fire XX/XX/2020 requested financial help from XXXX XXXX XX/XX/XXXX XXXX  placed my loan in the forbearance program XXXX 2020 I paid {$50.00} per month as part of the forbearance program XXXX XXXX 2020 the forbearance program ended XXXX 2020 I paid my full XXXX mortgage payment and all outstanding monies for XXXX, XXXX, XXXX. 

XXXX XXXX 2020 XXXX reported my loan 90 days past due, i was alerted by XXXX via email my Loan was going into foreclosure and reported to TransUnion. 

XX/XX/XXXX I placed several calls to XXXX XXXX to resolve the issue. Customer service, account resolution, executive escalations said they could not correct the mistake, according to the forbearance documentation i was out of compliance. 

XXXX mailed all documentation to the house address that burned down. I never received any of the mail. When i spoke to XXXX XXXX on the phone I told them my plan to repay all payments in XXXX, that was in XX/XX/2020. 

XXXX XXXX documentation indicated i made the XXXX, XXXX, XXXX payments as stipulated in the forbearance agreement. 

XXXX XXXX  never documented or informed me if payment was not made by XX/XX/XXXX I would be reported to the credit bureaus as delinquent. Language from their documentation " This XXXX have negative impact on your credit score ''. 

XXXX XXXX  sent me on XX/XX/XXXX an electronic copy of my forbearance documentation. The electronic copy was sent at my request. 

XXXX XXXX did not provide me with legal documentation in a timely fashion. XXXXXXXX XXXX did not provide any documentation indicating my credit would be negatively impacted if all monies were not paid back by XX/XX/XXXX. XXXX XXXX  did not act in a professional manner in dealing with my complaint and escalation request. XXXX XXXX  acted in a predatory manner continuing to call me daily to re-finance my loan, which was not possible because of the re-construction from the fire. 

XXXX XXXX  documentation clearly states i made payments for XXXX, XXXX and XXXX, and fraudulently reported my loan as delinquent.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-20
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, a debt collection was opened against me by a company called " Commonwealth Financial ''. I have researched the company and could not find an email, address, phone number, or license number that enables them to collect debt in the state of Texas. On XX/XX/2021 I contacted the secretary of state for Texas to validate this entity. Per the documents I was sent by the SOS, it appears that this entity is not valid. Please see the attachment. I have reasons to believe this is a scam. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: GA
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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
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:
In XX/XX/2020 my home loan was purchased from Ditech by NewRez. Since that time my home loan has not been reporting to the credit bureau. NewRez 's website states they have 30 days to start reporting. In XX/XX/2020 I called to find out why it was still not showing up on my credit report and they told me my account had been flagged bankruptcy when it should not have been and that they would fix it immediately. I then received a letter via email on XXXX over a month from when I spoke to them apologizing for their error and they would fix the problem and my home would report starting in XXXX. I have owned my home for over three years and the lack of credit reporting for 9 months has affected my credit in a negative way. I am asking that NewRez report my loan as stated on their website for the duration of the time they have had my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax exposed my private information, including social security number, and evidence shows they took inadequate precautions to safeguard this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
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 had around {$300.00} as a total balance on my account, the monthly payment was about $ XXXX if I remember correctly, I had absolutely no trouble paying this monthly. However, I believe it was around XXXX of 2022, I was suddenly unable to access my account. I entered my login information ( email and password ) as usual and I would get an error back saying that my information was not found in the system. 

At first, I assumed there must be an error with my password or email or etc. so I attempted to retrieve my login credentials through the " forgot username/forgot password '' prompts. However, after providing my name that's on the card, my XXXX, and the last 4 of my social, I got the same error. At this point I have officially no idea what is going on, and decide I will call customer service. They refused to speak to me without being able to pull up my account, which apparently didn't come up in their system when I provided the necessary info. 

Unfortunately this matter slipped from my attention as I have a life and did not hear back about the account for months. It was only about 6 months later that I see on my credit report that the account has been reported as charged off on top off having late payments. My credit score tanked. I immediately called customer service again and demanded that someone explain to me what is going on. Finally, someone explained to me that there was fraudulent activity on my account that had been detected, and they locked my account out of precaution. This would have been great if only they had INFORMED ME OF SUCH ACTION. Instead I was unable to access my account or pay the due balance. 

About a month and a half ago, I once again contacted customer service to see what could be accomplished. The first service rep, when asked about the status of the account, informed me that there has been " a confirmed fraud on the account, and you are no longer responsible for the account. '' I was quite relived to hear that, and asked to be transferred to someone who could then work with me to get the inaccurate information deleted from my credit report. I was transferred to whomever would be able to help with such however, they immediately went back on what the previous service rep told me ( not to mention the others before her months ago ) and that there was no fraud after all. After much back and forth, they agreed to open a dispute in my credit report, but this ended up accomplishing nothing.

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 2022-01-11
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, Cashapp approved an unauthorized transaction from XXXX in the amount of {$170.00} which caused my account to be overdrawn 170.00. 

This is a pre-paid card and if the funds are not available in the account, the transactions do not get approved. I still do not know how the exception for the XXXX transaction was approved when the balance on the account was less than {$1.00}. 

I raised a complaint for an authorized transaction and this has taken more than 15 days to process and not only that Cashapp has failed to regulation E by not giving a temporary credit until the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: JH Portfolio Debt Equities, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I successfully settled with JH Portfolio ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with JH Portfolio for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is JH Portfolio/XXXX XXXX XXXX still reporting the forgiven balance as past due?

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 2022-12-13
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Experian Information Solutions Inc.
State: MN
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:
The following collection accounts that are currently listed on my XXXX XXXX, XXXX and Experian credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CITIBANK, N.A.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since graduating in 2010 I have been paying a monthly bill thinking that I have been pay off some of the principal balance but it looking further into it, my principal balance as been increasing. The way they setup payment plans is set only to have you paying off interest to the loan so they can extend the interest for as long as possible. It extremely deceiving and unethical.

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 2017-09-09
Company: EQUIFAX, INC.
State: DC
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation