BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: SC
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 STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES ( XXXX XXXX XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter from Citibank attorney and I was served and I got a call from a attorney and he threaten to sue me and have the police come to my house take my property and I dont work Im on XXXX and I have no money and I live with my parents now I didnt apply for a Citibank Best Buy credit card I send in a police report few times and each time they denied my fraud claim and wouldnt send me a fraud affidavit at all and keep sending paperwork to a wrong address and it would get forwarded by USPS to my new address. I dont live in XXXX  XXXX XXXX  XXXX XXXX Texas and they are harassing my neighbor.. the XXXX residents.. Citibank attorneys are threatening me with jail time and seized my property and I have call records to prove that and Im asking them to leave me alone

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 2018-06-12
Company: Capio Partners, LLC
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/XXXX I applied for a personal loan with XXXX XXXX. I was immediately informed of an account in collections in XXXX. I had no idea, I was never sent a bill or so much as a phone call. XXXX XXXX provided me the account information. This is how I first learned of this bill in collections. The same day I filed a dispute throu XXXX since it was showing up through them. The following day I get a call from the debt collection agency. I asked why I was never made aware either mail or phone of this balance.The man said there had been 4 mail and 4 phone attempts to reach me. I told him that was a lie I had never been contacted. He said that the account was not yet sent to collections yet. Which was another lie since I had been made aware one day before that it was. 
XXXX  dispute had been completed and that account was to remain tillXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: Diversified Consultants, 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: Their investigation did not fix an error on your report

Complaint:
This is a request to investigate the following entities : XXXX, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and Diversified Consultants, Inc. for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX XXXX alleged " {$850.00} '' debt reported by Diversified Consultants to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX XXXX debt was " reported correctly, '' by Diversified Consultants.

Diversified Consultants and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/Diversified. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and Diversified Consultants, Inc. have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: GreenSky, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, FULL payment of the loan was paid via check. 
On XX/XX/XXXX, the over payment was issued via check to me and the account was closed AFTER I contacted them asking why nothing had happened with the account. 
On XX/XX/XXXX, I filed a dispute through XXXX  that the account was paid in full because I was trying to obtain financing for a vehicle purchase and was told that my debt to income ratio was too high because of this loan. 
On XX/XX/XXXX, Greensky told XXXX  that the account was NOT paid in full. 
On XX/XX/XXXX, I filed a second dispute through XXXX  that the account was paid in full AND uploaded documentation showing that it was paid. 
On XX/XX/XXXX, I contacted Greensky who confirmed that the account was paid in full and told me that they had told XXXX that it was paid in full but " XXXX   takes 30-60 days to update ''. XXXXOn XX/XX/XXXX, XXXX  received another denial from Greensky stating that the account was not paid in full and it was to remain on my credit report. 
And now ... I'm filing this complaint because no one should have to FIGHT to have their credit updated after paying off a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.

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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX XXXX 2021 XXXX  posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information TRANSUNION in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave TRANSUNION permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My problem is with the credit reporting agency Experian. Experion is not including any of the credit I have on my credit report. This has negatively impacted my credit score. I have contacted creditors to ensure that they are reporting to Experian. My mortgage company sent a letter stating they have been reporting to Experian. The mortgage company stated in the letter that they contacted Experian to ensure the information was being received. Experion stated they had received the information, but they had an identity verification concern, and I would need to contact them. 

I attempted to contact Experian to resolve this issue. However, all I got was an automated telephone menu. There is not option for the issue I am having. There is no option for the general public to actually talk to someone in an effort to resolve issues. I feel this is intentional, and an unfair practice. The consumer agencies have total control over one 's credit and the consumer have no real way to resolve issues with them. I wrote a letter of dispute but got no real answer as to why they are not including my credit information that is reported to them on my credit report.

Each time I contact the 3 credit reporting agencies for a credit report, I get the same run around from Experian, about needing more information. Over the years they should have corrected my information. 

There are several companies reporting my credit to Experion and this needs to be resolved. IT IS NEGATIVELY IMPACTING MY CREDIT SCORE.

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: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX acct # XXXX, financed a car I purchased for {$13000.00}. I put {$2000.00} down payment and after making payments of $ XXXX/mo for a year the payoff balance was still approximately {$13000.00}. This predatory loan was impossible to refinance. It was never disclosed that the loan was intetest only upfront before any principle was paid. This loan would cost approximately {$23000.00} for a {$13000.00} car. Had this been disclosed as required by law I would have declined. This is textbook racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 a check for {$4000.00} was deposited into my Bank of America account ( that I had not been using due to it being in the negative ) by mobile. On XX/XX/2023 I noticed {$4000.00} in my account. I do not know where it came from, who deposited it, nor how it was able to be deposited in the first place. However, I naively transferred the money out not realizing the extent of the situation until my account was then flagged for fraud, closed, and then I was contacted by police on XX/XX/2023. Prior to this, I was unfortunately a victim of my card information being stolen and used to obtain {$840.00}.

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 monetary relief
Consumer complaint received 2021-10-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CUSTOMERS BANCORP, INC
State: NY
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:
There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX XXXX XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

Customers Bank has reported to the credit bureau that I am four months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, Customer 's Bank should have and could have withdrawn automatically.

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 2021-10-10
Company: National Credit Adjusters, LLC
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: Public record information inaccurate

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, 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:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This bank paid my creditor from a closed account. The check to the creditor was refused at the creditor 's bank, and a {$12.00} fee was charged. This all began on XX/XX/20 when I made an appointment with a banker ( XXXX XXXX ) for the next day. That banker called that day and asked what I wanted. I told her my husband had passed away. I needed to close 2 accounts, transfer all the money from the 2 accounts to the remaining open 2 accounts and deposit a check to another account, make sure that all automatic payments from the accounts I needed to close were cancelled. I arrived at the bank. I was told that XXXX XXXX had called in sick and was ushered to the window of an unsavvy person was to help me. Her manager stood to my right. The person first told me she didn't want to see the death certificate and that since all of our accounts are named in our trust, I needed some sort of a notarized document in order to do anything. At that, I knew this person or her manager knew nothing, so I just had the check deposited and I left. I, on line, transferred the balances from the two accounts I need to close to the two accounts that were to remain open, so that there was no money in those accounts. So, on XX/XX/20 the bank paid the creditor from the account with no money in it. Then the bank debited the correct account as if to pay the creditor and then credited the account on XX/XX/20. The creditor was never paid. I have never been able to get a resolution for this. All I want is for the bank to credit my account with the {$12.00} that I subsequently paid the creditor since the bank never did pay him and he should not have to suffer that loss for something he did not do. The bank is very, very poor at giving pertinent replies to inquiries, often they do not reply at all. They make it totally impossible to speak to a person who has sent a reply ( without a solution ) with phone numbers to call. I realize this is only {$12.00}, but I should not have to absorb this when I didn't do anything wrong. I am a XXXX XXXX plus Wells Fargo customer.

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 2019-11-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
in XX/XX/2018 I went to XXXX XXXX  to have missing and infected XXXX  treated, was told to apply for Care Credit to pay part of my treatment payments.XXXX XXXX  applied on my behalf and approved {$1500.00} credit.my XXXX  work was never completed while I was making payment and up to this day XXXX XXXX refuses to correct the problem. I contacted Credit care to let them know no future payment will be made because i am not satisfied all they did was forward me the bill from XXXX XXXX  stating that services were performed

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 2017-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Cap One- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX Cap One- XX/XX/XXXX A computer glitch that was XXXX 's problem - not mine - caused my inquiries ( most were fraudulent and unauthorized ) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one? XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. Im asking CFPB to help my make XXXX stop victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a continuation of complaint # XXXX. 

We agreed to settle this complaint for {$3500.00}. Our attorney has been trying to reach The Fifth Third attorney since XX/XX/2019 and still has not heard anything. 

It is bad enough that 5/3 let my XXXX year old mother walk out of their bank with {$54000.00} cash, now they won't even give us the money they said they would give us. 

Again, she came into the bank five times taking anywhere between {$4000.00} and {$21000.00} in CASH each time. They knew something was wrong but did they put a flag on her account - NO. Did they call me the co-owner on the account - NO. 

Financial institutions need to take some responsibility for the negligence they showed in protecting my mother 's money. We need to put more regulations in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently disputed this account because their are so many errors reporitng on this account. i have pointed out numerous times what is wrong with it such as the credit limit and so much more. I am seriously trying to purchase a home and because of their mistakes i have been wrongfully denied. please help me fix this issue. 

THEY HAVE ALSO REPLACED A COLLECTION THAT WAS REMOVED FROM MY CREDIT PROFILE WITHOUT NOTIFYING ME FIRST, i have read in many books that this is against the law. The account in concern is " XXXX XXXX *Orginal Creditor 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