BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
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:
XXXX, EQUFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX  XXXX Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} EQUIFAX XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account XXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX  : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  - XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - XXXX   XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I assigned my credit card rewards points to the balance of my Navy Federal Credit Union ( NFCU ) Flagship Credit Card. NFCU ( without authorization ) moved those points/money to my savings account. I was not aware of the move and believed that money was going to the balance of my credit card. When it did not, I accrued a XXXX dollar late fee balance. When I spoke with a representative, I was told it was my fault for not checking my statement balance. 

From there, I asked my account be closed ~ XX/XX/23. I was supposed to receive a cashier 's check in the mail ( check sent out XX/XX/23 ). I spoke with a female agent around XXXX XX/XX/23 ( XXXX ) who said I should continue to wait for the check ( now missing x 19 days ). When I explained it is likely lost in the mail, she said she would have been notified by the USPS if it was truly lost. She then asked if I trust my mail carrier. 
I asked to speak with her supervisor, XXXX, who hung up on me without reissuing the check. 

From there, I sent a message/email to NFCU requesting the check for my closed saving account to be resent to my home address. I sent them a " Declaration of Loss '' form with the account number. I received a brief email response stating they would not accept the " Declaration of Loss '' form and would not reissue a check. I want my money from my closed saving account in the amount of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
Hello Hope you are doing good On XX/XX/2023 ( 2 month ago ) I tried to do XXXX XXXX and i was searching on XXXX and found one company which it was so professional and i emailed them, they responded professionally and they provided me some services with price which i attached on this complain And request them for services and they promised me to do the XXXX job in 30 Days and after 3 weeks of contract i tried to contact them but nobody didnt respond and they didnt even answer the phone And i waited till 30 day as of they promised on contract to do the job and after 30 day tried calling them again but no Respond I opened a dispute claim and also fraud Claim with CITI BANK and sent all information including emails and Contract but they refused to pay back and still showing investigation on your behalf and no body doesnt give me any information in this bank, someone scammed on me and fraud me and they steal my money and i Cant do anything and the bank refused to pay back and also they remark my credit report what it wasnt my Fault that they scammed me and someone fraud my money and stole it Please please fallow up and investigate this issue The company name is XXXX XXXX And amounts charged and dates is : {$3700.00} XX/XX/2023 and {$9500.00} on XX/XX/2023 Dispute claim opened on XX/XX/2023 And fruad Claim opened on XX/XX/2023 Which the scammer mentioned on contract they will refund full amount if the customer didnt get any services and I didnt get anything even phone answer Also invoice screenshot has been Attached on this Claim 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 monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX  XXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XXXX XXXX # 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 a account without my written 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 non-monetary relief
Consumer complaint received 2020-01-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I paid with Care Credit to XXXX XXXX XXXX services. Unfortunately the work was done so that I am still suffering from it, and consider it as a malpractice. I am redoing it, and going for treatments. I sent all the paperwork to the Care Credit ; doctor 's notes, X rays, notes from another doctor, copy of a refund from XXXX XXXX XXXX, which they deposited and took it back. The letter where they said that they they would give me the money back, if I sign a release, which I did not want to do. 
I disputed these transactions twice. The first dispute they denied me, saying that XXXX XXXX sent it for the settlement to their insurance. The insurance denied the claim. I disputed the money second time, then Care Credit decided in the favor of XXXX XXXX XXXX explaining that I signed some 'legal ' papers. I have the copies of those papers, it is just a paper any dentist gives to a patient to sign before placing the crowns, like about side effect. The other paper was about placing the crowns, that you can not replace it after they placed. There was nothing sad about perforated crowns like in my case, or constant pain, or malpractice. This product is not a product or service which I can use at all! The same if you go to a store to buy something, and a product is damaged or broken. 
I contacted the CEO of Care Credit, then some lady left me a message with her number and extension, where nobody picks up the phone, I left numerous messages, nobody called me back. Totally I spent more than {$12.00} with no results. Is it normal that I have to pay for the perforated tooth, the crowns I had to redo, the root canals I had to redo. It is a huge money for me, I pay now almost % 30 on this loan. This is so unfair. I understand the bank is a financial institution, but they have to protect a customer at some extent at least. I have never had such a bad experience with other credit cards in such situations, especially this money is huge for me.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXXXXXX

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}.

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 2023-10-23
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the collection company ( XXXX XXXX ) and explained to them that the debt is not mine. The address on the account is a po box that Ive never owned. The bill is also a XXXX XXXX bill in which Ive never had an account under their service. To further my dispute the bill cycle is dated at a time where I was living abroad for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Please review the attached documentation. Im a victim of identity theft. The following collection account is on my XXXX and Experian credit report. The following collection account is fraudulent and not my account : XXXX XXXX, XXXX, XXXX. I being receiving harassing and threatening phone calls of profane language, death threats, arrest, and imprisonment from XXXX XXXX representatives for a fraudulent account and, debt that I dont owe and dont belong to me. XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent collection account. The police report case number is : 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 2023-11-09
Company: LFG Data Services Holdings, LP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I TRIED CONTACTING THEM BT IT SEEMS LIKE THEY ARE BLOCKING AN UPDATED VERSION OF MY CREDIT REPORT AND SCORE FROM SEVERAL WEBSITES AS WELL AS THEIR OWN SO I CAN SEE UPDATED INFORMATION. IT SEEMS RETALIATORY SINCE I HAVE FILED COMPLAINTS FOR INCOREECT REPORTING IN THE PAST. 

it always says temporary issue and yur report is not available ( For 3 months know )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-06-23
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: 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 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 2021-03-29
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage serviced through Dovenmuehle. They have failed to pay my property tax installments out of escrow for XXXX per the original contract. First payment was due on XX/XX/XXXX which was never paid. Now the full payment of XXXX is due by XX/XX/XXXX and still hasnt been paid. I called several times and emailed a letter with a copy of a tax bill on XX/XX/XXXX. My issue still hasnt been resolved even after talking to managers at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: VA
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 recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged account is to be deleted.

the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows.

Alleging Creditor and Account as is reported as having a late payment on my credit report. 

ACCOUNT # XXXX { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my 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
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I petition into CFPB to solve and to give for me to be fair before COURT I petition CFPB to give my complaint into FEDERAL COURT solve for me 1/ I paid into USPS by checking account and credit from the Bank OF AMERICA , but all my mail Certified Mail were theft to did not delivery serve service 2/ I contact into the Bank OF US for disputed all act theft from USPS and compensation for me But the Bank OF AMERICAN to did not Dear Sir/Madam People pay for USPS from the bank OF AMERICAN, and The Bank OF AMERICA to be my account, But I request disputed and compensation by act theft from USPS lead into my case at Supreme Court OF US denied , But The bank OF AMERICA did not solve disputed all for me include to did not solve compensation for me from USPS theft my mail certified before Supreme Court OF US and CONGRESS Follow law people to pay serve service for me direct from the Bank OF AMERICA, all company to should responsibility before the BANK OF AMERICA and the Bank OF AMERICA to should responsibility with me, because the bank OF AMERICA took my money from my checking account every money

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 2020-01-17
Company: Diversified Adjustment Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: GA
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 sent in a dispute to all three credit bureaus on XX/XX/23 to have a collection account removed that did not belong to me. I also sent a validation letter to the collection company to provide me with proof that this is my debt and validation of ownership that they are legally able to collect on it. I have NOT received a response nor any more attempts to collect the debt from the collection agency which proved to me that it was a possible scam/illegally trying to collect funds from me. I provided this information to All three credit bureaus and the dispute results came back updated and verified. I then contacted XXXX directly to go over my results and they assured me they will put in a dispute for investigation. XXXX days later, the dispute was completed. It was again updated and verified. I asked for a copy of the exact investigation process that was used to determine the outcome they provided and was told a copy of my report will be sent to me. I explained Im not asking for a copy of my report but for information of how they determined their reinvestigation to be accurate in XXXX days when the normal dispute process is 30 days. It was NEVER provided to me.

Company response to consumer: Closed with non-monetary relief