BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
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: Personal information incorrect

Complaint:
EQUIFAX has incorrect personal information in their file about me. I have tried to get it changed through their dispute process. I have found it impossible to verify or check if they have made the corrections. 
Equifax credit report shows that I lived in XXXX XXXX and that I worked for XXXX. I have never even been to Kansas and have never worked for XXXX. 
I filed a dispute with Equifax and filled in their form and sent identification required to validate who I was. I indicated the corrections I wanted made. I received a confirmation number back from Equifax. # XXXX. 
However, I have been unable through their online system to verify that any change has been made. I have called Equifax and each time I am asked numerous questions to verify my identity. They always get to the question asking what the monthly payment is for my credit cards. I don't make a fixed amount payment. I always pay the entire balance each month. 
Apparently that is sufficient for Equifax to not validate who I am. I was upgraded to a supervisor and spent ages on the phone with him. Same result. Even though I had a copy of the original report from Equifax in front of me and could provide tons of information, because I don't have a monthly payment amount to credit card companies it's impossible to to talk to them.. 
They have incorrect information and it seems impossible to get it corrected. 
The other two agencies have correct information. This incorrect information has created problems for me when a bank or other credit agency ask " security questions '', Frequently there are street addresses I have never heard of, when I respond No to having lived there, I am invalidated. All because Equifax has a incorrect address for me. In fact now they have two, the Kansas address and the address of a company that did property management for us. 
Correcting my own credit information should not be impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: MD
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:
1 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is an update to my complaint that was filed on XX/XX/XXXX. Upon learning of this debt from a bank levy, I have contacted the company numerous times and also the court officer who advise me to contact the debt collection agency. My bank account was garnished for the total amount of the debt from 2 separate bank accounts ( TWICE ). I have contacted the company to validate the debt which was from XX/XX/XXXX. They only told me I was notified and " they attempted to call '' but when asked what number did they try to contact me, they responded " they called. I was never notified of this judgement from XX/XX/XXXX properly and can prove my addresses over the years. The money that was levied was also funds that I received for my daughter from Social Security. I was told from a representative from the company to provided bank statements, proof of the social security funds and then I was told to disregard sending in the information and to call back later in the week. I only have a docket # XXXX XXXXXXXX XXXX. This account was not handled properly and I want them to release the funds that was improperly took from BOTH accounts. The count officer suggest that I follow up with the courts to have the money release. I'm sure the company can see that they took the money from two different accounts. Please prove that I was notified of this judgement, because I can prove that I was not notified properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, I got approval for Gold Delta miles card from American Express on XX/XX/2019. 
The terms for promotion is so simple. I can get XXXX Delta miles if I use $ XXXX in 3 months. 
So I met the requirement for spending in XX/XX/2019. 

Till XXXX, I couldn't see the promotion miles on Delta site. I contacted American Express and they said I can get the promotion in a couple of cycles later. 

On XXXX, I couldn't see the promotion miles on Delta site. So I contacted Amex again and they said they can not give me the promotion because I may not use the credit card. I think I met all requirement for the promotion so I have to get it. 

Would you help me to get it? 

My card number was XXXX XXXX XXXX and skymiles number is XXXX Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX resolution specialist with Bank of America blatantly lied in response to a cfpb complaint from me. 
I have attached screenshots with his initial claim that he was unable to contact me. 
I have also attached screenshots of multiple emails between the both of us during the past month. 
I do not believe it is acceptable for someone to report to the cfpb with blatant lies that can be easily disproved. 
I don't understand the lack of respect for the cfpb from Bank of America, but I am used to them breaking the law against me. 
I do think he should be held accountable for this. During the pandemic crisis with people 's lives and on the line, I believe it is unacceptable for XXXX to conduct himself this way. 
There's no way on Earth I find anything he says to be credible because of this egregious lie.

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 2019-04-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I sent in the police report, the ftc report as well as notarized documentation for my proof of incident. Equifax has refused to block this incorrect and fraudulent info from my credit report stating that the information was verified. I dont understand how an account that I did not open could be verified for me. The accounts in question are a XXXX XXXX XXXX card account XXXX and a XXXX XXXX XXXX account Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
On XX/XX/XXXX, I reviewed my credit report with the credit bureau Experian and discovered there are multiple fraudulent accounts on my credit report. I reviewed how to proceed and completed a hand written dispute letter, signed, a completed Identity Theft Affidavit and sent the letter via certified mail with a tracking number to Experian. This cost me approximately {$76.00} due to paying to review my credit reports, notaries and mailing costs. I placed a fraud alert on my credit file on XX/XX/XXXX with all the credit bureaus. Today is now, XX/XX/XXXX and to date, I have not received anything in the mail nor has the fraudulent account ( s ) on my Experian credit report been deleted. My rights with the Fair Credit Reporting Act, section 611 advise the credit bureau has 30 days from receipt to investigate and/or delete said fraudulent account. Experian has failed me as a consumer and is violating my rights under the FCRA.611 and I am now submitting a complaint to expedite this fraudulent account to be removed from my credit file immediately before filing a law suit against this credit bureau.

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 2019-03-22
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
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:
I had learned that my credit rating had fallen from XXXX to XXXX because my bank reported that i had not made two payments. The payments were XX/XX/XXXX and XX/XX/XXXX. I went to my bank online and down loaded the statements showing both payments were made and I uploaded them to the credit bureau to challenge the inquiry. I was informed by the bureau, that they did question the bank with my statements but the bank simply reported that there originally statement was correct. The credit bureau stated that there was nothing they could do. I went to my bank and question it and the new bank manager stated that she did not do this, it must of been done by down town branch. I called them and they stated that they reported it because my credit loan note came due and it was delayed refinancing the note. This to was not my fault. I new my note was due in XX/XX/XXXX and I started working on refinancing the note in XX/XX/XXXX. I can show you a history of my emails back and forth with the bank giving them all the information needed to redo the loan. Well, the bank manager ended up leaving and the existing manager had a slow start. Basically i felt like we had to start all over again. Even my accountant question why he had to repeatedly send the same information over and over again. I feel like the original bank manager drop the ball and really did not care, she could of finish the job. but in her last several weeks was pretty much like a vacation, nothing got done, while the new manager was still working full time at her previous location and then between locations, she didn't really have a chance until she was full time in XXXX XXXX NC. I feel like the bank was going through time management problems between the bank managers and punishing me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: PA
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 requesting proof of ownership. I did not sign off on this loan. 

This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Information belongs to someone else

Complaint:
I am so surprised to see fraud misleading information in my credit report. Like I have inquires that I have never made. I do not recognize them but why do I have them? 

I feel like its a fraud and I filed identity theft report. Could you please check my credit report. For sure you will see there account and inquiries please investigate them and I hope you will remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unable to reach mortgage company ... on hold for hours at a time. Need to set up auto-pay. Unable to do so on their website

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My father 's broker ( XXXX ) pays his monthly car payment to GM Financial by check. For his payment due XX/XX/2019, in the amount of {$450.00} was sent on XX/XX/2019 to : GM Financial XXXX XXXX XXXX XXXX, Az XXXX That is the remit to address provided by GM Financial. The check was endorsed on XX/XX/2019 and cleared dad 's bank of XX/XX/2019. It remains unapplied to his account. I spoke with XXXX by phone. She told me they did not cash the check, saying that they bak with XXXX XXXX XXXX, while the check was endorsed to a XXXX XXXX account. I asked for help from XXXX in identifying the company that cashed the check, but have not heard back as of yet. I suspect that a lockbox service provide misdirected the check, but I have no way of knowing for sure. Despite the fact that I indicated to XXXX that I view this as GM Financial 's responsibility, I have received no support from them on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX  ; Experian and XXXX  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from 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 2020-11-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX me and my husband sent a certified method of verification letter to Experian regarding a public record item, bankruptcy on our credit report. On XX/XX/XXXX and XXXX both receipts were signed ; however, Experian has not responded to our MOV letter as of today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF THE WEST
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I used XXXX to pay bank of the west on my behalf. Payment ID XXXX. XXXX sent {$1600.00} to bank of the west and they received the ach on XXXX ach trace # XXXX. I have called bank of the west multiple times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). I gave bank of the west the trace number starting XXXX once I received it from XXXX Every time Ive called they keep saying its being sent to escalation and call back in a couple business days.Im told today XXXX that bank of the west returned the funds but they are unable to give me a date or trace number. XXXX is not showing a return of payment. XXXX has been very helpful and timely helping me research this payment. Bank of the west has not posted it to my account and cant give me the return payment info. What I am asking is that you help me with bank of the west and finding where my missing funds are and why they havent posted to my account. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There isn't enough information that is included in the statement received by Phoenix Financial Services to pin this alleged debt to my consumer reports. On XXXX XXXX, a statement of {$630.00} was sent to my address with an offer of {$250.00} to settle the alleged debt. I have reached out to the company via certified mail and am waiting on a response to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Forest Recovery Services LLC
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:
On XX/XX/2020 I made contact with Forest Recovery LLC, about a debt that says I owe them {$3300.00}. In my letter I ask them to validate the debt they are saying I owe them and they couldn't. Ive given them enough time to respond and I am at the point where I'm about to take legal action against them for misuse of credit reporting as well as, a violation of the 4th amendment, violation of HIPPA. According to FCRA you are not to report a debt unless it has been validated and they could not validate them debt being reported on my account. I am giving 15 days to remove this invalidated debt from my credit report or I will file charges against them per my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a Citibank customer. On XXXX XX/XX/2017, my client tried to send me {$XXXX} payment for a job via XXXX XXXX. They input my information correctly. They were only asked to input my email, and I received the email alert saying they were trying to send me money via XXXX XXXX, so it was not user error. 

The email said that if I have an outside bank, to click on the link to that bank. I clicked on " Citibank. '' I was taken to a Citibank interface, where I was asked to either log-in or register. I could neither log-in nor register for the transfer service. I called Citibank. I explained the problem to the representative on the phone. She put me on hold, and then asked me to try it again. I was able to get in. I don't know what that Citibank representative did on her end, but the money was not in my account. It was just my regular account home screen. 

I called Citibank again and was told it could take a day for the money to credit. It never credited to my account, but the money had already been deducted from my client 's account. 

My clients and I contacted XXXX. I gave the XXXX representative my Citibank account number. She confirmed that the {$XXXX} was not in my account but had been received by a stranger 's Citibank account. Due to privacy concerns, she could not tell me whose account got it, just that it was not my account and was someone else 's Citibank 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 2021-09-10
Company: Experian Information Solutions Inc.
State: AR
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:
MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.

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