BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: AZ
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:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: WELLS FARGO & COMPANY
State: OH
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 was divorced in XXXX and as part of the divorce our house XXXX XXXX XXXX XXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from Welsfargo and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from Welfargo Bank and they are not doing it.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed three accounts from XXXX that are being reported on XXXX, XXXX and Trans Union incorrectly. The last payment date was exactly 1 year before what is stated on my report. It's repored as XXXX and actually is XXXX. The attached documents give exact dates.

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 2018-12-11
Company: John C. Heath, Attorney at Law, PLLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was charged XXXX starting XX/XX/XXXX and was promised my credit would improve. I have cancelled my service effective XX/XX/XXXX. I was charged 5 times in the month of XXXX. I also did not receive any service from this merchant. My credit has not improved and actually went down since signing up. I am trying to get my money back and the company is refusing to refund for service not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This morning, I received an email from Citi telling me they had closed my credit card account. No prior warning - no prior communication of any kind. 
I have had the card for 10 yrs with a spotless record of paying for charges in a timely fashion. 
I called Citi and informed them of what had happened and asked for an explanation. A customer service employee told me a letter had just been sent explaining the situation but he couldn't give any more information because of my privacy rights. I asked to speak to a supervisor. 
A supervisor pulled up the letter sent to me and told me my account had been closed for " non-usage '' and explained I had not used the card in at least 2 yrs. I countered that was probably true, I had several cards and I used each of them according to the scenario and I was sure, if he cared to look back, that there had been other 2 yr periods over the past 10 yrs when I had not used my Citi Card. I asked if I had ever signed any agreement or had been informed by Citi of their " use it or lose it '' policy. The supervisor told me no, they simply had the right to close my account at any time for any reason. 
As you know, this affects my credit rating negatively and I informed the supervisor of the same. I think it patently unfair that my credit rating will go down - which could affect future credit requests on my part - simply because Citi precipitously cancelled my account. Further, I find it patently unfair that Citi cancelled my account, although I have never missed or been late on a payment to them, without some sort of warning. 
I will never use Citi again - for anything - but I find their policy as practiced on me to be anti-consumer and one they should be forced to change or at the least modify.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX : {$6100.00}

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 non-monetary relief
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: OR
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:
Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Upon checking my credit report, I Was shocked to see a slew of inaccurate information reporting onto my credit. This info has severely crippled my ability to obtain credit, housing, or even an SBA Loan.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5500.00} XXXX XX/XX/2023.

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 2023-12-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, EXPERIAN, AND CREDIT REPORTING BUREAUS ARE ALL REPORTING FRAUDULENT CHECKING AND A CREDIT CARD IN MY GOOD NAME. 
I NEVER AUTHORIZED ANYONE TO OPEN THESE ACCOUNTS. 
I DON'T HAVE ANY KNOWLEDGE OF THESE ACCOUNTS REPORTING IN MY NAME. 
I HAVE DISPUTED WITH THESE COMPANIES WITH NO RESPONSE, AS WELL AS REPORTED THIS TO THE FEDERAL TRADE COMMISSION.

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 2020-03-04
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Agreed to complete 12 month payment program to get my account back into good standing without closing the account. Informed by numerous representatives that once I completed the program, my monthly payment would be reduced and my account would no longer be suspended and I would be able to use the card again. Informed by manager XXXX XXXX Id # XXXX on XX/XX/2020 that even though I completed the program, my account could be suspended indefinitely. Discover NEVER mentioned this information to me when I first enrolled in the program nor when I called in and asked about my account being reviewed and unsuspended in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I want to dispute a check that wrote to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That is check # XXXX in the amount of {$95.00} that just cleared. This Complaint involves a switch and bait tactic by this merchant. 
================================= This complaint falls under compliance issues with the Magnuson-warranty Act of 1975 c/o the Federal Trade commission ============================= XXXX XXXX I bought a incinerator garbage disposal from XXXX XXXX for {$94.00} each On XXXX XXXX I called an authorized company to service an Incinerator garbage disposal which i bought from XXXX XXXX on XXXX because of performance issues and poor quality of Galvanized metal at the bottom oft he disposal which accumulated an abnormal quality of rust. Normally, because they are coated with Zinc Oxide this should not have happened. The service rep came out and spend 15 minutes servicing the unit adjusting the bolts. etc. with pliers. The day before, one of their consumer specialists told me that there would be no Problem possible replacing/servicing the unit. 
When the service rep was finished he said he had to charge me {$95.00}. I followed up with the merchant to no avail. If I refused to pay him it would have possible ended up in collections. affecting my credit. 

I just Called my bank- XXXX Bank of America dispute department and spoke with a XXXX. He told me that I could not dispute this because it was a check. However, the day before, i talked with a consumer specialist and was told that the Bank would back me up. It was annotated on my account. 

Could you please escalate this issue for me with Bank of America as soon as possible. 
I feel that this whole episode with the warranty and my Bank has been a bad experience.

BOFA- They were very nasty and abrupt when i followed up and hung up in my face. 
My current contact information is Phone 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 2023-03-08
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: Account status incorrect

Complaint:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$650.00} XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 

-I couldn't apply for any loans because of these negative items on my report which shouldn't be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on 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 non-monetary relief
Consumer complaint received 2022-02-26
Company: CITIBANK, N.A.
State: IL
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:
XX/XX/XXXX XXXX XXXX phone me of an Unauthorized credit inquiry made on XX/XX/XXXX by Citibank. XXXX XXXX contact XXXX telephoned Citibank on XX/XX/XXXX with me on the same phone line at XXXX and spoke with XXXX a Citibank representative, who promised to removed the fraudulent credit inquiries from my credit report and to send me a letter of apology to my mailing address. ( I assured Citibank that I never submitted any applications in person nor online and never authorized credit inquiries on my personal credit report and I'm SINGLE NOT XXXX ) As of XX/XX/XXXX The promised letter of apology was not at my mailing address and I gather, Citibank did not remove the credit inquiries from my credit report. SO, again I phoned Citibank at XXXX and spoke with XXXX, a Citibank representative, who read out loud, the notes of XXXX and stated that something held up the first letter. She never stated WHAT held up the letter. XXXX state she would resume the process and mail the letter of apology and ensured me that Citibank would remove the unauthorized credit inquiries from my credit report. 
As of XX/XX/XXXX and XX/XX/XXXX I have NOT RECEIVED the promised. Citibank letter of apology and I'm sure the unauthorized Citibank credit inquiries have not yet, been removed from all of my credit reports. The four ( 4 ) credit reporting agencies. 

The letter was to be mailed to XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX, XXXX, Illinois XXXX. 

I have filed an FBI identity theft report, an IC3.Gov and filed a complaint to report fraud.ftc.gov and was told to also, file this report to Consumer Finance.gov.

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 2020-04-28
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Im writing in reference to complaint number to XXXX submitted on XXXX XXXX TD Bank claims that I never received a promotion offer in the mail so that Im not eligible for this promotion of {$200.00}. This is true I never received a promotion in the mail but I did get the promotion online from TD Bank .in this online promotion there is no mention at all that this promotion had to be offered. I have attached the exact promotion and qualifications from TD Bank online offer. Please show me where it says that this Promotion had to be offered to be. 
I have met all the qualifications listed in the online offer and therefore request an immediate promotion of {$200.00}.

Company response to consumer: Closed with explanation