BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX**** , XXXX XXXX XXXX****, XXXX  XXXX XXXX XXXX  XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX  XXXX** , XXXX/XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX 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
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I was the victim of a crypto scam. The criminals posed themselves as investors and had me transfer money to XXXX. My intention was to transfer it back but it was stolen. This caused the business that I am a co-founder of go into the negative. Chase bank closed this account and I had no idea. They transferred XXXX of my personal funds into the business account after it closed without my authorization. I called chase bank to ask them to take off overdraft protection but they still allowed the account to be overdrawn. I had money in all of my personal accounts. On XX/XX/XXXX my cards stopped working and I called the bank. They told me that my accounts will be closed and a check mailed within 30 days with my balance and the companies debt would go to collections. All of my money was in chase. I am visiting XXXX and have no access to food, funds shelter etc. I went to a branch on XX/XX/XXXX and asked for money to be withdrawn. I was told that this couldnt happen. I provided the police report and FBI report with the crime I was a victim of. I was also told that my personal funds would be used to cover the debt of the business account and that I would be mailed a check for the remainder. I provided our company structure agreement to show that I am not the sole owner of this business and that I do not consent to my personal funds used to cover the business debt, the business debt needs to be settled separately. A letter from my lawyer has also been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX of 2021, I brought to the credit report agencies attention that my information was being improperly reported by several closed accounts or unwarranted accounts and several inquiries. A violation of several USC laws as well as the IRS 's authority through the form SSA-89. This report will play as added evidence for future arbitrary and punitive damages caused by these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-10
Company: EQUIFAX, INC.
State: KY
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Bread Financial Holdings, Inc.
State: VA
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 recently had a name change and I tried to contact Commenity bank to inform of my name change. They would not take my information but only wanted to take a payment. I have tried to login, however, they have locked me out and are making go through obstacles to do anything. They will not even provide me the correct name of their bank. I asked if it is Commenity XXXX or just XXXX. They are not honest about how much I owe for the month with a payment. I have informed them I am an unemployed totally XXXX disable Veteran with XXXX, XXXX XXXXXXXX XXXX fluctuations of XXXX levels, XXXX, XXXX XXXX XXXX XXXX, and XXXX. I am not asking the same amount of money anymore and the bracket that was purchased on the account is for my soon to be ex-wife who is out with other men and women and will not give the bracelet back or pay on the account. All this is aggravating my XXXX symptoms. The other companies have done the same and keep me on hold until the phone call disconnects on their end and I have start over again trying to update information & pay a bill. I feel as i am discriminated against, treated unfair without dignity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The M & T BANK HAS RETURN A CHECK THAT WAS ALREADY DEPOSIT AND CASHED IN MY CHECKING ACCOUNT DUE TO A MISSING SIGNATURE FOR THE HOMEOWNER WIFE. I DEPOSIT THE CHECK ON XXXX XXXX AND THE CHECK WAS RETURNED XXXX XXXX. THE CHECK THAT WAS BEING RETURN CAUSE MY CHECKING ACCOUNT NEGATIVE XXXX. IM NOW BEING HIT WITH FEES AND ALL MY SUPPLIER ARE NOT PAID. I WENT TO THE XXXX BRANCH TO ASK HOW CAN THIS MATTER BE FIXED. THEY STATED PLEASE GET THE WIFE TO SIGN THE CHECK. T WENT TO HOMEOWNER AND OBTAINED THE WIFE SIGNATURE AND RETURN TO THE BANK TO REDEPOSIT THE CHECK. THE BANK MANGER XXXX STATED SHE CANT DEPOSIT THE CHECK. I SAID WHY DID I TAKE OFF WORK TO COME BACK DOWN HERE TO GET THE SAME RESPONSE AS YESTERDAY. XXXX THE BRANCH MANAGER WAS THE PERSON TO INITIATE THE DIRECTION THE SAID I NEED A FORM FROM THE BANK THAT THEY MAILED TO ME. 
I NEED THIS MATTER EXPEDITED AND RESOLVED ASAP THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX  XXXX {$940.00} XXXX  XXXX {$120.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX    XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: CITIBANK, N.A.
State: CA
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 have inquires on my report that do not belong to me. 

XXXX. XXXX XXXXl XX/XX/2020 XXXX. CITIBANK XX/XX/2020 XXXX. CITIBANK XX/XX/2020 XXXX. XXXXHD CBNA XX/XX/2020 XXXX. XXXX XXXX XX/XX/2020 THESE ITEMS ARE NOT ME OR ATTEMPTED BY ME AND UNDER FCRA WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT AND UPDATED

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 2023-02-23
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX On XXXX of XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX reported a late payment on my credit report! 

In accordance with the Fair Credit Reporting Act XXXX account XXXX and XXXX has violated my rights! 

15 USC 1681 section 602 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 account without my written instructions!

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

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 2021-08-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an account with Equifax over 15 times concerning XXXX XXXX XXXX account # XXXX - there was inaccurate and incorrect reporting for years on this account before it was paid off - even XXXX did not have the correct information. XXXX has changed the reporting on this count at least 5 times and Equifax has this on record. According to section 1681i - they are to perform a reasonable investigation and once that investigation is performed the information has to be updated or deleted. Well in my case Equifax sent me letters stated the account was verified and then came back with letters after more disputing saying XXXX updated. Well if XXXX updated multiple times - that should let Equifax know the information is incorrect!! If the information is correct why continue to change the dates I was late over several years - multiple times? If XXXX is furnishing accurate information they should have a need to continue to change and update and change the original updated information - then go back and change that information several more times. The inconsistencies and errors on this account are appalling and have violed the FCRA and maximum accuracy standard. Please delete this inaccurate account from my credit report. At the very least the entire account should have all late payments removed because of the inconsistent and inaccurate reporting on this account. Lastly, since XX/XX/2021 my Equifax XXXX XXXX score has dropped 20 points for no apparent reason and I am thinking it is associated with something to past disputes. Please resolve my scoring as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Disputes were sent out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - To date, nothing has been updated or completed. Over XXXX days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022 : XXXX XXXX called and cancelled her checking account with Citizens Bank. The bank account was not closed and further charges were deducted from the account. 

XX/XX/2022 : XXXX XXXX called the collections department and spoke with XXXX who removed the charges and cancelled the account. XXXX explained to XXXX that XXXX would be receiving a letter in the mail confirming the checking account closure. That letter never came. 

XX/XX/2022 : XXXX XXXX received a hard copy letter from Citizen 's Bank claiming this account was not close. 

XX/XX/2022 : XXXX XXXX received a hard copy letter from Citizen 's Bank claiming the account was overdrawn and would be closed and charged off ( please see attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
Company: NCB Management Services Inc.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have send a dispute letter to XXXX  and XXXX  stating the information being reported is inaccurate. A collection account reported by NCB Management is reporting inaccurate information and when I sent a letter on XX/XX/XXXX and XX/XX/XXXX asking them to validate the said collection account they send me a letter stating that they could not substantiate the allegation of my dispute. Please see attached the letters. My credit report still says the same thing. I also send a letter ( attached ) on XX/XX/XXXX letting them know they have Re-AGED my debt. That is a Major FCRA violation. This account is still on my credit report. The FCRA generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please have them remove this account from all three major bureaus and minor bureau too. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Investigation took more than 30 days

Complaint:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Aqua Finance, Inc.
State: GA
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:
Communicated via phone call, XX/XX/2021 with Aqua finance stated the product was in no longer in my possession. The item was installed with the co-borrower. Were in the process of an divorce. Since then I have not been contacted regarding debt. According to the fair credit act the account should be deleted from my report in due it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Hunter Warfield on XX/XX/XXXX, showing a balance of {XXXX. Hunter Warfield failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: CAC Financial Corp
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I became aware of a low score on my XXXX Credit report. Upon investigation, I learned that there has been a company reporting a {$1300.00} debt collection on my XXXX report since XXXX. 
I have never received any correspondence of any kind from this company - CAC Financial Corp - XXXX XXXX, Oklahoma. I have never entered into a contract with this company and have no privity of contract whatsoever with this organization. I have never agreed to pay CAC Financial Corp - XXXX XXXXXXXX, Oklahoma any amount for any product or service. If CAC Financial Corp - XXXX XXXXXXXX, Oklahoma is attempting to collect a debt for some other company, they have not operated in good faith, in that : XXXX ) They have never communicated with me at any time, in any way. 
XXXX ) They have made no attempt to validate any debt with me, or obtained verification from me of any debt between me and any other entity or individual. 
If CAC Financial Corp - XXXX  XXXX, Oklahoma can prove privity of contract between me and CAC Financial Corp - XXXX  XXXX, Oklahoma, I request documentation to this effect. If they can not, I demand they remove their collection item from my credit report.

Company response to consumer: Closed with explanation