BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: BARCLAYS BANK DELAWARE
State: MD
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 have been disputing 5 charges of {$100.00} each. These charges were unauthorized by me. I disputed these charges with Barclays MasterCard. After nearly 5 months and multiple paperwork submissions, I was required to escalate to " The Office Of The President '', located in XXXX, DE. 

I provided a copy of the exact program that I had enrolled in with their merchant. That document solicits a " Free Membership ''. No ambiguity whatsoever. That is what I signed up for. In response to my dispute of these charges, the merchant provided Barclays a one-page portion of their " Terms and Conditions ''. This incomplete document had multiple handwritten notes, hand-drawn boxes, underlines and asteriks. This document did not reference my name, credit card information, service, product, or cost of product.

I received nearly a dozen written response statements from Barclays stating that my dispute and rebuttals were being denied based solely on this document ( partial, redacted, handwritten, one-page portion of merchant 's " Terms and Conditions '' ).

Additionally, the merchant provided Barclays with three ( 3 ) different examples of the cost of their " services '' in dispute. None of the three service costs were representative of the unauthorized charges to my Barclays MasterCard. My unauthorized charges were a fourth ( 4th ) and different amount.

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 2018-10-10
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 status incorrect

Complaint:
For a very Long time I have tried to get equifax to stop reporting the wrong payment history and wrong status on two accounts that have been closed for more than a year now.

Equifax has failed to do the proper due sole hence in realizing the at I have my child and the two accounts in question have been paid and should be removed from my credit report imedialty just a ms the other credit companies have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$430.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.

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 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2020 I deposited a check for the amount of XXXX dollars from XXXX XXXX. I deposited the check in the BANK OF AMERICA ATM in XXXX, MA and the funds were coming from a LOCAL bank, XXXX XXXX XXXX, in XXXX MA. I was told by my banking institution BANK OF AMERICA, that the check would be delayed for 6 days until release and no part of the check would be deposited before that day. i asked why that was as this wasnt bank policy before and they told me they just changed their policy and refused to notify any of their patrons for verification and acceptance. Aside from this, they are apparently breaking a federal law which is as follows : According to XXXX, federal regulations require that local funds deposited via an ATM must be made available no later than the second business day after the deposit, as long as the check was deposited on a banking day ( mine was ), and the check was deposited in an ATM owned by the depositors bank ( it was ). Non-local checks can be held for five business days, but not a day longer. 

Again my check was local and deposited into an ATM used by my bank. I tried to resolve this issue with my bank but was unsuccessful

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 2020-02-13
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:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX  XXXX, XXXX, Dept of Ed/XXXX    XXXX, XXXX XXXX and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.

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 2018-05-04
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Stanislaus Credit Control has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i had made an agreement to purchase two XXXX XXXX 's from XXXX. I was going to find a buyer for the second phone. XXXX would not sell just one phone at the time. I purchased two phones and listed the Second phone on XXXX. I had two buyers that bought the phones. The first buyer was out of the country when I selected the auction to be a US ONLY auction. This resulted in loss of sale. I listed the phone again and sold the phone to a second buyer and again the buyer was an out of country buyer. This again resulted in loss of sale. I finally went to XXXX/XXXX  to list the phone. The phone did sell for about {$500.00} dollars less than the first listing and I never received the proceeds.

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 2020-09-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding, LLC is pursuing to collect an unsubstantiated debt. They have failed to confirm the origin of the debt, and have continued to report on my personal credit report. 

Listed on this personal credit report is an initial date of XXXX, which is far beyond the allowed time to pursue a debt in the state of California ( see below ).

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. 

Not only has LVNV Funding failed to provide proof this debt is even valid, they have continued to report inaccurate information to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MI
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax, XXXX and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX and XXXX my written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I placed a previous complaint with about Citibank ; in that complaint CitiBank addressed my XXXX XXXX XXXX account that has nothing to do with the Macys Department Store account I asked about and was never addressed. Effective with my XXXX billing CitiBank went up to 31.74 % interest. Thy have retroactively added {$650.00} to my account on a purchased made in XXXX. I have not made a Macys purchase since XX/XX/XXXX, when the interest rate was 30.24 %. 

There is no justification for XXXX interest rate to continue climbing when I pay my bill every month on the XXXX and the amount is debited from my checking account the minimum amount plus {$200.00} per month. I have not missed a payment neither have i ever been late on a payment since receiving this card in XXXX. 

There is never been ever a letter telling me my interest is increased not giving me an opt-out option. As you can see from the billing statements uploaded I have never missed a payment on my Department Store Account> Citibank must be investigated for retroactively adding previously purchased items to get a large interest rate that isnt unjust and against consumer regulations. 

As a result of this complaint, I ask that CitiBank com into compliance with consumer regulations and roll back the 31.74 % interest as I have not made any purchases from Macys Department store account. I will pay them off but how can I when they keep increasing my interest rate unjustly and charging me for purchases made in 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$80000.00} Reported balance XXXX/DEPT OF ED Last reported XX/XX/XXXX {$20000.00} has 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

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 2023-07-04
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I disputed 2 entries on my credit report maintained by XXXX Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified. 

On XX/XX/2023, I sent XXXX Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed. 

I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute. 

On XX/XX/2023, XXXX delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an XXXX specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. 

First of all, XXXX provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR XXXX. 

I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these XXXX entries being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: LEXISNEXIS
State: FL
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:
I would to OPT OUT of the following agencies : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Lexis Nexis XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is in relation to the loan process for my residential condominium mortgage with Investors Bank. I embarked the mortgage journey with Investors Bank at the end of XX/XX/2020. I received the approval letter nearly 3 months later, on XX/XX/2020. 

Investors Bank attributed the failure to deliver timely underwriting to the bank 's lack of operational capacity. The Bank 's operational limitation did not hinder it from making sales pitches that promised me, its customer. As a result of the delay, we, the customer, are bearing financial costs including lease extension and duplicated moving costs. Investors Bank should lack of accountability for its failure to provide promised service. 

Certain incidences that caused the significant delay include : 1. While the process formally kicked-off beginning of XX/XX/2020, the file was not reviewed by Mr. XXXX and team until XX/XX/2020. 
2. While we submitted Home Insurance to Investors Bank at the beginning of XX/XX/2020, Investors Bank failed to incorporate it into our package. Resulting in a delay. 
3. Investors Bank sent the Condominium Questionnaire to the wrong Association. Consequently, Mr. XXXX erroneously told us our condominium is unwarranted. I had to personally review the questionnaire to advise him of his mistake. Resulting in considerable delay. 
4. Investors Bank appraised the property twice, resulting in a duplicated charge. My fianc and I subsequently discovered this error. 
5. Investors Bank requested the building manager for Master Deed, bylaws and followed-up today ( XX/XX/XXXX ). However, the building manager confirmed she already submitted the documents on XX/XX/2020.  Resulting in further delay. 

I escalated this matter to Mrs. XXXX XXXX on XX/XX/2020. It is unclear why the loan continues to be delayed. When I questioned Investors Bank around its lack of accountability, one of its SVP proceeded to insult my integrity. I am questioning if it is the banks capacity issue resulting in deterioration in service quality, or the delay demonstrated ethnic discrimination against XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been a victim of identity theft and I Have fraudelent accounts on my credit 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 2023-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I keep receiving mail to my home about a debt collection but the person who owes this debt isnt me the name is XXXX XXXX  and has put my address. He also passed away a couple months ago but the correct address where this mail should be going to is XXXX XXXX XXXX XXXXXXXX, VA XXXX. He used to work with me but Im confused as to why i keep receiving mail from him at my house when he doesnt live here and is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a fraudulent account opened under my name and I wasnt aware of this. My ex spouse has my information and someone opened up a loan without my authorization. I am not responsible towards this because I never signed anything. I have letters that say to send my id to identify myself but im afraid to send anything else. Please call back number for me ( XXXX ) XXXX or email me at XXXX, I am still willing to send my Id but to a responding email or call or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s )  {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.

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