BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
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: Public record information inaccurate

Complaint:
Hello, its been 6 to 8 months of me fighting to get this fraudulent Bankruptcy off my credit report. The information I received from Equifax saying it was verified, But I want to know who verified it? By law you have up to 30 days to remove this of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a {$500.00} Vanilla Visa gift card from XXXX for my wife 's birthday on XX/XX/21. On XXXX XXXX charges for XXXX $ ( in the span of two minutes ) were made on the card to " XXXX XXXX  ''. I've contacted Vanilla Visa Gift card and XXXX XXXX, to no avail.. 
I am reading online that I may be out of luck getting my money back/balance refunded on this scam, due to gift cards not being included on Visa 's liability policies. Somehow, the card was used anonymously with us never presenting the card, and its ' balance is now XXXX. Happy Birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX   altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have accessed my online Experian account, this morning ( XX/XX/2018 ) from a telephone call disputes, I had communicated to Experian 's telephone representatives on XX/XX/2018, in regards to incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Illinois XXXX documented onto my Experian credit file, in preference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the city of XXXX, in the XXXX of Illinois and in the zip code area of XXXX. I have received email notification that my disputes are any for review in my Experian account however, once I had clicked onto the hyperlink button, I always received a message as stated, " We're experiencing technical difficulties and can not access your report at this time ; please try again later '' these messages had occurred for few weeks now. I am unable to review Experian disputes results. I have sent Experian the appropriate identification copies as verification proof regarding their incorrect apartment number, XXXX documented onto my Experian credit file, instead of my correct apartment number, XXXX. See attached PDF files.

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 2019-01-07
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2018 I sent a dispute to Eqiufax concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect. 

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly. 

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called Equafax as I had not been informed of any result of my dispute. Equafax attempted numerous times to get me to say my name was different. Equafax then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked Equafax if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. Equafax informed me, " Consumer Reporting Agency. ''  This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered Equafax give the debt collection company any new information concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: LEXISNEXIS
State: NJ
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 am distressed and constantly have anxiety attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 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 that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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 closed a USAA credit card account on XX/XX/XXXX after I received the XXXX statement which closed on XXXX/XXXX. This statement included the following : " ... ACCOUNT RENEWAL NOTICE. YOUR ANNUAL FEE OF {$40.00} WILL BE BILLED ON YOUR NEXT STATEMENT. YOU MAY AVOID THE FEE BY CALLING US AT XXXX XXXX XXXX AND CANCELLING YOUR ACCOUNT .... '' I called the number and cancelled the account on XX/XX/XXXX. In early XX/XX/XXXX, I received the XXXX statement which closed on XX/XX/XXXX and which included the {$40.00} which was posted on XX/XX/XXXX. 


On XX/XX/XXXX I spoke with a USAA credit card representative who stated that the {$40.00} fee was unavoidable since I had closed the account 5 days after the fee was posted. 

So it seems I paid a yearly XXXX fee for a USAA rewards credit card, even though I cancelled it in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a {$15.00} collection listed through Plus Four, I have never heard of this company, never received anything from them, nor have done business with them nor owe {$15.00} This is a mistake listed on my credit file.

Please help Plus Four XXXX {$15.00}

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 2021-08-17
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is from XXXXXXXX XXXX XXXX, the original collection company was XXXX XXXX XXXX, I fought and dispute that debt a d it was cleared because it was time barred debt, and the debt was awarded to my ex spouse legally I am not responsible for that debt,. Now that XXXX XXXX  had to remove it from my credit they sold the account to awa collections, I do not know this company and they are in violation of the fcra,. They automatically out the account on my credit without sending me any form of notice that they were doing it so tht I can dispute it,. I do not owe this company money, I have no clue who they are, they just attached it to my credit with no form of communication, I have no legal binding contract with them, I have no account with this collection agency by law they are to remove the items from my credit and cease all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
On XX/XX/2020 I wrote Barclays Bank a letter attempting to settle a debt. I received a letter dated XX/XX/2020 requesting I call the company. I made several calls, and finally was able to get in touch with a manager that stated she could assist me with this matter. We spoke and agreed on an amount. I was told to mail the check to the billing department. I was also told the this would be considered fulfilled once the check was received, process, and cashed. On XX/XX/2020, I sent the payment agreed upon, with a letter stating the conversation ( attached ). This letter clearly states the terms for which this was to be considered paid in full and removed, once the check was cashed. I consulted with and attorney that stated, if they did not agree they should not have cashed the check and returned it. I reached out to the credit reporting agencies to have the debt removed as promised, only to have Barclays reject the agreement after receiving payment. I have attempted to contact Barclays again and was told " someone will call you back '', however no one has. This is not right.

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 2021-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
as i was reading my consumer rights i saw that the bureaus have 30 days to respond to my disputes. I sent a letter on XX/XX/21 and i have yet to hear from them and it has been past 30 days. This is a direct violation of FCRA and my consumer rights. I demand these accounts are deleted. 

I have attached proof of address and license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing my mortgage and Ditech gave a payoff that was good until XX/XX/XXXX which was the day it was funded to them. On today XX/XX/XXXX, they have emailed the Title company stating the payoff was short and by looking at the info they provided and the website with my mortgage information, myself or XXXX XXXX do not understand where the shortfall Ditech is stating came from and we can not get a direct answer from Ditech. 

The Hazard insurance in my Escrow was listed as {$2500.00} which they stated they paid XX/XX/18 and the XXXX XXXX paid the Hazard insurance also but sent a check back to me so it would not be paid twice. 

Do not understand the shortfall they are stating to the Title company of {$1700.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Transunion, in part, because I have been a victim of identify theft in the past and also because I was affected by XXXX data breach last year. Transunion was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.

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 2018-06-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my Experian credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted XXXX, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Experian was not helpful when I called to dispute the inquiries therefore I am filing a complaint with CFPB and providing an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Customer Service / XXXX XXXX on XX/XX/XXXX In  addition, I am requesting XXXX XXXX for the public record on my report. I have been informed by seeveral Consumers that Experian allowed them XXXX XXXX for Removal Of derogatory information if it is within 6 months of the record being removed. XXXX has removed it and I would Like Experian to remove it. I would like to be treated equally to how other consumers are treated.

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 2018-06-09
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that XXXX has posted to my report. They have allowed XXXXXXXX XXXX to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was stunned once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment. 

I don't have any record of being 30 days past due XX/XX/XXXX and 30 days past due XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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