BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: TX
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:
Credit Bureau is reporting inaccurate and fraudulent account information from XXXX XXXX XXXX. CFCB has current case # XXXX against XXXX for providing altered and fraudulent account statements from XXXX XXXX  XXXX XXXX In XX/XX/2019 XXXX XXXX XXXX  report that no money is owed to them and that XXXX XXXX surety bond pays the final amount due to them. XXXX and XXXX also keep reporting debt owed as a rental agency even though court documents with eviction dismissal, account documentation and rental reports pulled in 2019 show and have been provided several times show that no money is owed to any rental property. 

I have been filing complaints against this credit bureaus on this issue since XX/XX/2019 to no avail. 

I am providing legal documentation again : 1. Emails from XXXX XXXX XXXX that {$2800.00} for sure deposit and that {$0.00} is owed to XXXX. 
2. Recently pulled court documents stating eviction was dismissed in my favor and {$0.00} amount is due. 
3. Rental background report pulled in 2019 by realtor stating {$0.00} amount due to XXXX XXXX  XXXX XXXX 
4. Current investigation into XXXX submitting an altered and fraudulent account statements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Michigan Mutual, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/21 I refinanced and paid off loan # 's XXXX and XXXX with Michigan Mutual Inc. The balances in the impound accounts was {$1300.00} and {$1400.00} respectively. On XX/XX/21 I received escrow payment checks of {$760.00} and {$950.00} respectively. On XX/XX/21 at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX )  and I called Michigan Mutual on a conference call and we spoke to XXXX ( no title or contact information given ) who could not explain the discrepancy ; at XXXX XXXX ( no title, initials XXXX ) told us that the missing money had been used to pay my property taxes ( she did not provide any transaction or check numbers for verification ) the call ended at XXXX XXXX At XXXX XXXX  I called and spoke with XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX who informed me that my property taxes were paid on the aforementioned properties on XX/XX/21 by the title company. No other payments have been received. Previous complaint : Ref # : XXXX File No : XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX , XXXX. XXXX at XXXX XXXX 

XXXX, I did speak to a few people today from Michigan mutual who assured me if it was double paid you will be getting the difference back. So I would look out for that. 

Thank you, XXXX XXXX XXXX XXXX NonProducing Manager XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Medical Bill from XXXX XXXX for {$270.00} - date of service is XX/XX/XXXX. 

XXXX XXXX did not bill both of my insurance providers- XXXX XXXX and XXXX, which caused a negative collection item on my credit reports. 

My XXXX XXXX ( XXXX ) coverage is through my wife 's employer at XXXX XXXX. The process is that XXXX XXXX or any provider should bill XXXX XXXX ( since XXXX XXXX has more than $ 100K employees ) and once payment from XXXX is received, the provider needs to submit the amount XXXX paid and any remaining balance to XXXX for payment. 

XXXX XXXX did not follow the proper billing process in over a year since I sought treatment at XXXX XXXX in XX/XX/XXXX. I did not receive any bills or calls to collect payment from XXXX XXXX or XXXX until I called both of them in XXXX XXXX. 

So, I discovered that XXXX XXXX engaged a collection agency, XXXX XXXX, XXXX ( XXXX ) to request payment for {$270.00}. I learned of this action in XX/XX/XXXX through a credit reporting alert from XXXX. This bill for {$270.00} is showing as a negative, collection debt on my credit reports. 

I would like this item removed from all applicable credit reporting agencies immediately under my name as the provider, XXXX XXXX and XXXX, did not follow the appropriate billing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: EQUIFAX, INC.
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 have 2 late payments XXXX and XXXX that was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/2019 Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, 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:
DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

Account XXXX, Account XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

Account XXXX, Account 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 non-monetary relief
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATEDXX/XX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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:
OnXX/XX/XXXX, I faxed all three credit agencies ( XXXX, XXXX, Equifax ) to remove incorrect /derogatory reporting of XXXX liens on my credit report which had been paid, released and withdrawn in XXXX. I faxed the supporting documentation proving that the derogatory reporting was not valid XXXX and XXXX promptly removed the inaccurate reporting but I discovered that Equifax did not. 
3 weeks ago I applied for a home equity loan and was denied the lower interest rate because of score due to derogatory public records on my credit-report from Equifax that should have been removed ages ago. 
Equifax is still reporting this inaccurate derogatory information which is affecting my ability to properly qualify for a loan and causing me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX Capital One sent a check for a credit refund on my credit card. They sent it to my previous address. They sent two checks for refunds for two different credit cards. One I did receive but the one they sent to my old address I never received it. I had been in XXXX with the XXXX since XX/XX/XXXX and just finished XXXX in XXXX. Needless to say that I did not have access to my phone. So, when I came back home I tried calling capital one to let them know that I had not received one of the checks and after a while in the phone they hung op on me. I called them on XX/XX/XXXX and then again on XX/XX/XXXX with the same results. Nobody was willing to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account is on an XXXX hold per the bank. I have over XXXX that was direct deposited from my employer and I cant even have access to that. I have been told it would be resolved in 2 weeks and to call back every 24 hours which I have and nothing has been resolved.

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 2021-10-17
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity Bank/Victoria Secret is still reporting that I didn't pay the {$550.00} and I did in fact pay it. I disputed this 8 times and it's still showing on my credit report. It was paid up via XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XXXX XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called equifax and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT ACCURATE with my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Credit Associates of Maui, LTD
State: HI
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/2022 I received a phone call from XXXX XXXX at Credit Associates of Hawaii, a company I was unfamiliar with. I called back and was told I owed a debt that I did not know I owed. XXXX said she would forward me the information. Our conversation did not contain 1006.34 ( c ) ( 2 ) information or even all of 1006.34 ( c ) ( 1 ) information. 

A few days later, I received a letter postmarked XX/XX/2022 that did not follow 1006.34 ( c ) ( 3 ). Then I received a letter postmarked XX/XX/2022, but dated XX/XX/2022 enclosing an accounting of a debt with which I was not completely familiar. I assumed the company was not legitimate. 

On XX/XX/2022, I received notice that the company had sent derogatory marks to the credit bureaus despite not having sent confirming notice. I called on XX/XX/2022 to speak with XXXX about coming to a resolution/payment agreement and also about removing the mark as they had not followed procedure. She told me she could not do that. When I asked to speak with someone who could, she said she would have someone contact me, but I was not able to get a name or timeframe for that call. 

I would still like to negotiate a payment plan and have the mark removed.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-25
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I have a cash app and I have had this for a couple of years. All of a sudden two months ago they closed down my app without any warning or explanation. The continue to say I violated the transfer and there is no way possible. I was planning a trip for my XXXX birthday this month and individuals cashapp me their deposits. I see this being done every day. my cash app login was XXXX  XXXX initially and coming and being deposited into my personal account with XXXX XXXX that I have had for years. They shut it down with no warning and no valid reason. I then opened it and connected it to my business account with XXXX XXXX that I have had for several years. This cash app was XXXX  XXXX and just recently they have closed this account down. You have people using their cash app for unethical purposes and still, have an account and I have never done such a thing. I would like to know the reason for the shut down of my account and my account that I originally open re-opened. I have tried to call and communicate with them by email, but their service is awful and limited communication. I am willing to go into a lawsuit in regards to this because I am almost thinking this is some racial bias somewhere in this underlining situation. I am not a XXXX, criminal, or trying to defraud anything, so there is no valid reason of shutting down my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on XXXX dispite proof by creditors that's duplicates and accounts are paid ie XXXX XXXX XXXX XXXX XXXX etc.

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: MI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting Experian to verify this information with XXXX XXXX services. 

I am also asking Experian to verify XXXX authorized users policy which states : XXXX  reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XX/XX/XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called XXXX and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT XXXX with my credit reporting.

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received a correspondence for XXXX indication that Equifax reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. XXXX responded by instructing me to destroy my credit card in which I have good credit with XXXX for years. 

Equifax, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As Equifax has had a breech I believe in good faith that this is the result of this error in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called my Creditor XXXX XXXX last night XXXX XXXX/XXXX/XXXX XXXX one day prior to my due date ( XXXX XXXX ) to pay  XXXX toward my balance of XXXX} The female clerk that took care of the transaction over the phone charged me the whole balance of XXXX instead of the XXXX that I had only authorized, for this reason my account was severely drained since it was a debit card transaction. 
I told her to reverse the charge immediately and She proceeded to say she could n't reverse the payment and that I needed to call my bank.I had no other option but to call my bank I called my so called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and turns out they wo n't help me either. They claim that city bank has the funds. None of these two institutions will refund my money. 
In a matter of hours my account will be negative due to previously programed payments. 
I need my funds to be returned immediately. Not in 3 to 35 business days as they said. 
XXXX has stolen XXXX from me. And I need my money returned immediately!

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: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Around XX/XX/2021, fraudulent purchases were made on a wayfair credit card linked to wayfair my account on wayfair.com. There was an amount for {$760.00}, {$400.00}, and {$410.00} made on one day. I noticed these purchases from an email the following day. I reported these claims and they were resolved, but they have reissued the amount back to my account stating that I am now responsible. There is clear poof that I didnt not order these items by the name used and the location there items were sent. With the quick response I provided to the issue these orders should have been prevented from shipping and the transaction should have been canceled but the response team did not act in the proper accord to secure their assets and create a worthy customer fraud remediation. I am now stuck with a bill of almost {$2000.00} dollars that i did not authorize. I am also paying interest on an account that guaranteed 24 months not interest. 

This experience has been displeasinf for them to respond this way 60 days later.

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: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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