BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXX & XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-11-21
Company: EQUIFAX, INC.
State: OK
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CarMax, 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:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the CARMAX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by CarMax, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification.

Attached is documents sent by CarMax, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that.

You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification.

I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court.

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been asked to submit the same loan modification paperwork on three separate dates with XX/XX/2019 being the last date to Bayview Loan Servicing Company.

I am scheduled to go to foreclosure court on Wednesday XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: OH
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$41000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount $ XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$32000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$32000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX  : # XXXX, Account name XXXX : # XXXX XXXX Account name XXXX FXXXX : # XXXX, Account name XXXX XXXX XXXX : # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per XXXX XXXX/XXXX  XXXX  credit card services this account was supposed to be deleted off all 3 credit bureaus

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 2021-01-25
Company: AMERICAN EXPRESS COMPANY
State: KS
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 writing to AMERICAN EXPRESS ( opened XX/XX/2016 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting AMERICAN EXPRESS agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2019-09-12
Company: Navient Solutions, LLC.
State: CO
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:
Navient is reporting incorrectly to XXXX ; XXXX and XXXX collections in the amount of {$26000.00} and {$54000.00} on the NAVIENT partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. These accounts have been sent to collections and therefore NAVIENT no longer owns this debt. I have attached a copy of the letter from XXXX dated XX/XX/2019 confirming they now own this debt. The incorrect reporting of a collection from NAVIENT needs to be reflected as a {$0.00} balance. This inaccurate reporting of a collection is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding a dental cleaning I received on XX/XX/XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX  XXXX sent my account to collections 2 years after I had my teeth cleaned, though the issues was their fault and they failed to file the dental claim through XXXX timely. On XX/XX/XXXX, I went to XXXX XXXX XXXX and got a regular cleaning which my dental insurance, XXXX usually would cover 100 %. I provided XXXX my insurance for the cleaning at the time of my cleaning. I never went back to XXXX againand never heard from XXXX again. 

Almost 2 years later, on XX/XX/XXXX, I receive a call from a Capital Accounts collection agency that I owed {$310.00} from services at XXXX XXXX Cleaning, or it will go in my credit. I told the collection agency my insurance was supposed to have paid dental cleaning in XXXX. I called XXXX XXXX XXXX the following day on XX/XX/XXXX about the collection call. The lady who answered said she was the manager when I asked for the manager. She was very rude and basically told me that I have to deal with the XXXX XXXX collection agency when I asked her to pull up my account to find out what my insurance paid and why they never contacted me for almost 2 years and sent my account to collection agency and she hung up the phone. I called the collection agency again on XX/XX/XXXX to let them know that XXXX said I have to deal with them to find out what my insurance paid. The collection agency told me they do not deal with insurance companies ; all they do is collect payments. 

Also, on XX/XX/XXXX I called XXXX about this dental services from XX/XX/XXXX at XXXX XXXX XXXX. The customer service rep at XXXX told me that they received a claim XXXX XXXX   XXXX for the XX/XX/XXXX cleaning, however that XXXX did not file the claim until XX/XX/XXXX, almost a year later and XXXX had 180 days to file claims and so they denied it for untimely services. XXXX also stated that I do not owe because I had coverage, but XXXX failed to file timely and so XXXX should be responsible for the issue and absorb the cleaning and should never come after me I have contacted XXXX  multiple times, but they always state a manager will call me back. On XX/XX/XXXX, my three ( 3 ) credit scores from XXXX, XXXX and XXXX all dropped drastically because Capital Accounts put it on my credit. 

I have attached documents from XXXX showing that I had coverage for the XX/XX/XXXX cleaning, and that XXXX XXXX   XXXX did not file the claim timely and the denied the claim - " XXXX XXXX - This procedure has been submitted after the timely filing limit ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My existing mortgage holder XXXX allowed me to do a loan modification, after finishing the three month trial period, they were taken over by another mortgage company PHH. I received a letter telling me not to worry about payments until the modification was done. I called them every two weeks asking what the payment amount was going to be, they told me I would receive a packet from XXXX with the paperwork and auto-pay documents for my credit union, my preferred method of payment and that was how my  payments were previously made.That was in XXXX it is now XXXX and I have still not gotten any answers. They have received four payments, and they are not reflected on my mortgage, they are showing up in my credit report as late, I have called and pointed out they have the payments, they told me they can't apply them until the modification is done. I have been told the modification process takes about two months and during that time no payment is due, they said they would add the two months onto the end of the loan extending it. Four months worth of payments are just sitting there, and I am getting ready to send in this month, not sure why, they are going to report it late, they claim they will straighten this out after the modification is done. After waiting SIX months, I am not sure it will be done!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2022 I received an email from Citibank, because I have a Citi Priority Credit Card, for a promotion on opening a checking account. The promotion was for various bonus pay outs based on deposit levels. There was a link on the email which I used to open the account. I also called customer service to verify that my account showed a promotion on it, after funding, since I had not received any confirmation of the promotion starting, follow-up, etc. Of course, Customer Service said yes, they did show the promotion and there was a 30-day period to allow funding, which I had already met. 

I funded my account for $ XXXX on XX/XX/2022, and maintained over that amount for the bonus period required ( 60 days ) and even further. I went over 90 days with my balance above $ XXXX. I still have around {$100000.00} in the account today. The promo was supposed to be paid out 30 days after completing qualifying activities and I never saw any payment. It has been 6 months since I originally funded the account and still no {$1500.00} promo payment so I messaged Citi. They said my account was never enrolled for the promotion. 

This is clearly a scam, as the link in the email should have allowed the promo to follow me to the account opening page. Also, Customer Service would have been lying when I called, and they confirmed. I am sure I am not the only one who has fallen prey to this scam. 

I am removing all of my business from Citibank. Someone from CFPB should investigate these checking account promotions and Citibank 's follow through on their advertisement.

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 2023-04-14
Company: Bread Financial Holdings, Inc.
State: MI
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:
Ann Taylor Master Card administered by Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account hacked and closed in XXXX. However, company used this account to renew a magazine subscription ( without my consent on a closed account ) and sent me a bill for {$20.00}. I sent a check for this amount. In the meantime, I had replaced this account with a new one. XXXX XXXX XXXX XXXX XXXX XXXX Comenity used the check for an payment on the new account. This happened again and I called many times to try and correct the mix-up. No one I ever talked to could find the old account number listed first above when I called. I wrote a letter to Comenity to explain all this and they closed the second account also listed above. So once again I tried to pay off this account which by now is accuring late fees and interest. In XXXX, XXXX I sent a check for {$220.00} to pay off the first closed account. ( the second account was paid off with a XXXX balance ). The company put that check amount towards the second closed account which how has a CREDIT balance of {$230.00}!! And I received another bill on the first closed account which is now showing an owed amount over {$300.00}. I receive a bill every month with new interest and late payments. Surely, credit card companies keep track of closed accounts and have access to that information. And they have not returned the {$230.00} that is credited to a closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent accounts and inquiries removed from my credit report immediately. 

XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

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 2021-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX PB XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXXXXXX XXXX Please See Attached Ftc Report!!

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