BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
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: Their investigation did not fix an error on your report

Complaint:
XXXX is repeatedly in violation of my FCRA Rights. For years I've submitted proof that XXXX reporting of my credit data was incorrect. After I advise I would make a formal complaint XXXX falsified a letter they stated they sent me to a wrong address to prove compliance with Texas repossession laws. It was falsified and produced 4 years after I started complaining. XXXX sent documents that my balance was approximately {$8000.00} then it went to {$21000.00} after I started writing letters, then it was went to XXXX then {$13000.00}. Then {$16000.00} approximately. How is it a vehicle that was paid on for over 1 year with a down payment, that was sold at auction, received full federal tax write off still reports still owes over 70 %. XXXX is a predatory lender and should be investigated as such

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: OR
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:
So for some reason Equifax won't remove this old account where I signed my rights as a parent away long time ago before the dates they even have I provided all of what I need to to show and the other her reports didn't move them so I'm just having a problem with Equifax in there not removing it and I would like it removed ASAP please and it's for child support that I'm not the parent of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was going through eviction in my old apt ... .went to court and the judge and the apt building lawyer said I owe a total of {$1100.00}, Court order. But XXXX office mgr sent pro collect {$3400.00}. As for as I know a office mgr is not higher than a judge and his court order.

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 2021-04-15
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. I contacted Finkelstein about a debt settlement for my XXXX debt 2. They told me XXXX to settle the debt over the phone. They told me as long as I pay by the XXXX it will be fine. 

3. I asked them to send a letter. As of today I have still not received the letter. 

4. In good faith I sent the check on the XXXX through my bank and it was postmarked on the XXXX. 

5. They called on the XXXX saying the check was late and that I owed {$500.00} to settle the debt. Additionally the man said I actually owed XXXX which was not discussed over the phone 6. I told them it is postmarked so according to law they received the check. He told this isn't Texas it's TN ( Even though we have a Federal Law that says otherwise he yelled at me and said I was too smart for my own good and that it was a law office and that they know what they are doing. 

7. I felt threatened and offended by the statement and he was continue to yell at me over the phone. 

8. After the phone call the check was cashed almost 10 minutes after. 

I feel like that they held check to intentionally give me bad information so I could pay more. Because this tactic cost me {$300.00} more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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:
Equifaxcredit reports now in XXXX is totally not helpful and does not know anything but what that are told. 

1. 3 hard inquires that my die was frozen. I triedfor a year going through them and it is more then frozen.They don't allow me into ny credit for.Since they moved t XXXX they have my score even messed u p. They let credit cards close down but tried to lEt there cards that they get rgit get over credit freeze and give me HARD INQUIERYS. 
A. XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All 3 were on credit freeze that whole year until today. 
No investigation was made like FCRA SECTION 609, 611 OR 625 were not even used for any thing wrong with credit file. My score should be over 750 but they made cards close by letting them use my report to see info like was I using there cards or stuff that was licked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: SUNTRUST BANKS, INC.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a debt with Suntrust bank. I have been trying to set up payment arrangements and they have not been able to understand that I am on a fixed income since my husband XXXX last year, so I am unable to make the payments that they have wanted. I have tried to work with the hardship program and they still want more than I am able to give them. This is affecting my credit and its not fair when I am willing to pay just do n't have much money to give 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 explanation
Consumer complaint received 2022-03-06
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I notified Transunion about a false pubic record on my report. This was some bankruptcy that was not mine. I was a recent victim of ID theft and have placed security freezes on my XXXX XXXX and other data information companies until I resolve this matter. TUC states they " Verified as accurate '' this bankruptcy when in fact they DID NOTHING. The court this was filed in can not and will not release information to any 3rd parties. These is a freeze on my information and they did not obtain anything from XXXX XXXX and others. They have LIED and violated FCRA by stating they verified something when they did nothing and received nothing. These companies simply send out letters and NEVER actually investigate. Under FCRA THEY MUST VERIFY BY DOCUMENTATION. I requested they provide it and they can not. This false information is harming my chances of getting employment. As such I am suffering financial injury.

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 2017-11-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In approximately XXXX, XXXX, I made a reservation on XXXX XXXX for a trip to XXXX using a credit card. I then received an email that if I used XXXX XXXX XXXX XXXX Platinum for other fees, there would be no luggage fees. I applied for the card and was approved. I put my luggage fee on the card but later was told it was only waived if I used the card for the purchase of my ticket. I paid the fee on my card and cancelled the credit card because their agents refused to waive a {$25.00} late fee on a {$25.00} charge and because of the false advertising. 

It has been a nightmare since that time. I got calls every day because they billed a late fee on a late fee which I did n't pay. I then decided not to fight for such a small amount and paid my XXXX bill by the due date of XXXX XXXX, XXXX by mail.It was received by them by XXXX XXXX, XXXX but they did not credit it to my account until Sunday, XXXX XXXX, XXXX and sent me another bill for a {$35.00} late fee plus interest on a {$25.00} late fee. The card says there is a late payment if they do not receive the payment by XXXX XXXX, XXXX. They could not have received the payment on XXXX XXXX, XXXX because there is no mail on Sunday XXXX XXXX, XXXX. 

In my opinion, that is fraud - To hold a payment until is overdue and then charge a late fee on a late fee with interest. 

The only item that was ever charged to my account is {$50.00} in luggage fees ; nothing else. 

I am warning others not to apply for a XXXX XXXX Platinum Select Card I am also asking the CFPB to investigate the practices of XXXX Cards. 
Specifically, their practice of not crediting payment on the date received and charging late fee and interest on a late fee. 

I am an attorney in Ohio.

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 2022-03-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2019-10-09
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I explained that this I have addressed this matter with the doctors billing that I have reached out to them no response and that I would not be speaking with them on this matter again they have continued to call and hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was left/stolen at XXXX XXXX in XXXX CA XXXX XX/XX/23 and then used the same day at some places in XXXX XXXX XXXX CA which is about a XXXX XXXX XXXX from XXXX ( where I currently live ) I reported the transactions as fraudulent and canceled the debit card around XXXX that day as soon as I noticed the transactions around XXXX. The dispute ended up being filed as my transaction which isn't true, and $ XXXX is a lot to be missing, when I check my bank the transactions were made through my debit card without a PIN number which is proof it wasn't me and the bank claims it was me because they were made through chip contact despite me having filed my debit card as missing/stolen.

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 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, On XX/XX/XXXX I noticed that my credit score on XXXX had took a BIG decrease on my points of 24 points. So I called XXXX on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that XXXX XXXX XXXX  XXXX put a nasty remark on my profile on XXXX all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and TransUnion will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with XXXX, XXXX, and TransUnion about XXXX XXXX XXXX  XXXX with the same account as XXXX. In my letters I explained how I wanted XXXX XXXX XXXX  XXXX removed from my credit report because it was a duplicate account with a different name. XXXX was sold to XXXX XXXX XXXX  XXXX . However I was always in good payment with XXXX it's just XXXX XXXX XXXX  XXXX bought XXXX Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with XXXX XXXX  and paid partial to XXXX XXXX XXXX XXXX in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from XXXX and TransUnion dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with XXXX and TransUnion. XXXX have removed all inquire but XXXX and TransUnion will not remove and giving me a hard time. Please take a look at XXXX XXXX XXXX  XXXX and see why they have retaliated against me by leaving a bad remark on my credit file with XXXX. But also this bad remark may be on XXXX and TransUnion in a few days. I really want XXXX XXXX XXXX  XXXX removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.

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 2022-03-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Credit Protection Association, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/17, I submitted a complaint through XXXX regarding Credit Protection Association ( CPA ) in TX, which reported a collection on my credit report regarding an account. They agreed to delete it from my credit report and they did. However, last week I received a notification from my credit monitoring that CPA reported another, if not the same account that was deleted a year ago. 

I have not received any notice regarding the collection and I have the right to receive a notice and to be given a chance to validate the debt before Credit Protection Association reported it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: AL
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 called Experian about the wrong Social Social Security number on my report. They are reporting. My SS Number is not what they are reporting. Also I asked on the phone and online. That they remove old names. I legally changed my name in 2006. After being Married. They are reporting names I never used ever. My name before being married was as follows. XXXX XXXX XXXX. They have on the report XXXX XXXX XXXX. XXXX XXXX. which is not even a correct name. Old address as well. I asked on the phone with Experian to correct all personal info. They also are never report accurate information with my score. Which I repeatedly asked for to be corrected. And if I could get my score to begin with. Which I never did, I had to buy it myself. They have never reported my information correctly. Nor have they corrected after I ask.

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 2022-03-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been disputing this issue for over a year now with XXXX. Initially it started with an inaccuracy of a missed or late payment of 30 plus days in XXXX of 2020. So I began by contacting the dealership where I bought the car numerous times over a 9 month period, by phone and in person. I spoke with the financing departments manager. Then the sales manager, and the store manager. Each time I was reassured they would contact the corporate office and speak with one of two people " XXXX or XXXX '' whom deal with credit reporting only to have no resolution of the issue. Finally I asked for the the contact information to the credit reporting department. About a week after speaking with them my credit report finally reflected accurately. Then a week later it was back on my report as a late/missed payment of 30 plus days in XXXX now. Next I spoke with a woman named XXXX from corporate whom spoke with someone and had XXXX 's inaccuracy removed only to have it return again a week later as a late/missed payment of 30 plus days in XXXX. Where it has remained through 5-6 separate disputes to my experian credit report over the past 3 month 's, 5 of which were online. I provided proof of my payment history to Experian which I was given by XXXX which clearly shows, at no time during any of the months in question was I 30 plus days late. My latest dispute I called Experian and filed a dispute over the phone with a customer service representative in order to clearly explain myself. Each time I disputed this issue either online or the last over the phone. I have had the same outcome. " The creditor in question states that the information they provided to the credit agency was accurate and would not be changed at this time. ''

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 2019-05-12
Company: EQUIFAX, 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:
A USPS certified receipt mail letter was sent to Equifax and delivered on Monday, XX/XX/2019 requesting removal of non account holding inquiries from my credit file being that consent ( verbal or otherwise ) was not given or applied to these unrecognizable third parties fro any form of credit or services. On Saturday, XX/XX/2019, I received a reply via USPS mail from Equifax with report confirmation # XXXX stating, A third party may access your Equifax file to assist in underwriting of your request for credit ; if you apply for certain services ; or indicate that you are applying for credit. I neither gave my consent verbally, in writing, or indicated with said companies nor have I applied for any services or credit with said companies with whom these inquiries are listed. They are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax provided these companies with my credit profile fraudulently, and refuses to remove these inquiries from my credit report. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report, including inquiries. Equifax has given my credit report to these third parties listed above and continues to knowingly report incorrect inquiry information masked under consumer consent.

Company response to consumer: Closed with non-monetary relief