BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ) 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  ( Reinserted into XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
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/XXXX, I contacted Equifax via certified mail and was notified they had received it and signed for the letter on May 21st. The accounts are to be deleted immediately as they are in violation with the law pursuant to 15 U.S.C. 1681b ( a ) ( 2 ). I have never provided any written instructions to report anything alleged, negative and unauthorized on my consumer report that is damaging my reputation. I have asked Equifax to remove and delete any and all accounts and inquiries that they never received any written instructions for. I have provided Equifax with a letter of my written instructions to remove accounts and inquiries, providing them account and inquiry details. I also provided Equifax a copy of the law attached to the letter, proof of identity including driver license and social security card and utility bill considering address was different from driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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 fraud alerts or security freezes

Complaint:
DID NOT WANT TO FIX BY PHONE NOR INTERNET.. i IT IS ALLMOST IMPOSSIBLE TO GET APPROVED FOR CREDIT AND ANYTHING XXXX .I DONT LIKE IT SO PLEASE REMOVE IT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: CA
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:
XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
OPENED CHECKING ACCOUNT WITH CITI BANK ON XX/XX/2018 AND WAS OFFERED XXXX XXXX XXXX   MILES AS BONUS FOR OPENING ACCOUNT BETWEEN XXXX, MAKING {$370.00} IN DEBIT CARD TRANSACTIONS AND SETTING UP MOBILE BANKING. THESE REQUIREMENTS WERE COMPLETED ON XX/XX/2018. TERMS STATE WITHIN 90 DAYS OF COMPLETION BONUS WILL BE CREDITED. 123 DAYS LATER AND NO ONE AT CITI OR XXXX XXXX  CAN FIND THE MILES. MY HUSBAND COMPLETED THE SAME ACCOUNT AND BONUS AND RECEIVED HIS MILES. CALLED CITI 3 TIMES NOW AND NO ONE CAN EVEN FIND THE PROMO CODE OR GIVE ANSWERS. USED THE LINK DIRECTLY FROM THEIR WEBSITE TO OPEN THE ACCOUNT. MY XXXX XXXX  NUMBER IS XXXX IF FOR SOME REASON THEY CANT FIND IT. IN THE MIDST OF THIS THEY ARE CHARGING {$25.00} A MONTH TO MAINTAIN AN ACCOUNT IM NOT USING BECAUSE THEY CANT FIGURE OUT WHAT IS GOING ON.

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 2019-03-05
Company: PENTAGON FEDERAL CREDIT UNION
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had an auto loan with Penfed for a 4+ years. I make my payments online through their website but recently, even though I have been trying to make my last loan payment for the past two months, I have been locked out of their site. 

I live in XXXX and occasionally go to XXXX for medical treatment, so all my payments are made from the same locations, with the same IP addresses. 

I was going to XXXX, so I tried from XXXX to make an address change online so that I could receive the discharge documents at my XXXX address. 

There are no land lines or cell towers available at my residence, so i had canceled my cell service about 3 years ago. I have been totally XXXX for years now, so I rarely leave my house. 

When I tried making the address change to XXXX ( which was my previous address on the loan as well before I moved to XXXX ), it wanted a phone confirmation so I canceled it since the phone number they had was no longer operational ( no optiom to change it or receive an email confirmation either ). 

So I decided to change the phone number to an IP phone, but in order to do that, it again wanted to send me a confirmation through MY OLD PHONE NUMBER. What kind of stupid programming does that? Why would anyone get a new phone number and retain their old one? As a result, it locked me out of the system and I couls not get back in, with a message to CONTACT THEM BY PHONE. 

I sent them 2 emails and a message through their automated message page on their website explaining my situation, yet the only reply I received was one telling me to call them. I live in XXXX XXXX in XXXX. Other than gas station stores, there are no stores, pay phones or even public transit service. I would have to drive 40+ miles to XXXX in extreme snow, which I DON'T, and then drive around until I could find a public phone ( which I am not even sure as to whether there are any ). 

So I want my account unlocked so I can make my layment and I will not be paying any fees for late payments either. In this day and age, what kind of website doesn't give you the option to be contacted by email??? 

Thanks ...

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 2019-03-27
Company: CARD Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I got a visa prepaid car with XXXX a few months back. Out of the blue they close my account which I don't really care. But when I ask for a refund for the remaining balance they started blackmailing me into showing them various documents in order to get a refund. Then I started posting negative review on line when I saw other consumers complains about the same thing. Specifically when a merchant issues a refund they use it to lie about suspicious activity and then steal consumers money. 
So it is their ongoing fraudulent practice which of course is illegal. Can you please assist me with this? Is not so much about the money as to why should they be allowed to steal and blackmail consumers in this manner. Also they are not a legitimate business and they commiting fraud so of course they are not trustworthy to be shown any document or info about me because their purpose is not legit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, XX/XX/2019, I attempted to obtain my free credit report from Experian using XXXX. However, the website returned an error message saying my identity could not be verified. It asked me to send proof of identify. 

I have had this happen every single year for the past several years, and I am tired of jumping through hoops to get my free credit report from Experian. 

Next, I went to the Experian website to fill in a complaint form, and the website said I had to call them because they couldn't take the dispute online. That number is useless for my purposes as I couldn't talk to a live person and it's a system designed, I think, to make you give up. 

So, I am beginning to think that they are intentionally trying to make it difficult for me to get my credit report. 

I believe it's illegal for these companies to profit from my information and then refuse to provide it to me via my free annual 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
As of XX/XX/2022 they have been reporting my late payments for account XXXX XXXX XXXX  in the amount of {$640.00} for a total of 4 late payments reported the months of XXXX, XXXX, XXXX, and XXXX of 2022. 

As of XX/XX/2022 they have been reporting my late payments for account XXXX XXXX XXXX in the amount of {$940.00} for a total of 5 late payments reported the months of XXXX, XXXX, XXXX, XXXX and XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted XXXX, Experian, and XXXX  to have this account removed, to no avail.

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 2018-05-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclays Bank agreed to a settlement & to remove negative info off of credit reports.

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 2019-03-05
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has willfully reported to the credit bureaus an account without first verifying if the alleged debt is mines by properly sending correspondence to verify the debt. They claim they mailed correspondence which I never received by mail. USPS has lost mail in transit due to carrier mail issues. I have spoken with the local supervisor from the USPS for XXXX and it was confirmed scanned informed delivery which I get a preview of mail was lost in transit. XXXX  XXXX XXXX is stating I called them and I did inform them I had seen a scanned image of upcoming mail but the mail was lost in transit and never delivered to my mailbox. Under federal law I have a right to dispute all alleged debts. I received a uploaded document from the CFPB from them and immediately disputed the debt as involved in fraud case by mail to them. They have failed to remove the reporting from the credit reporting agencies. Under provisions of the federal law the FDCPA states, the if debt collector does not verify the debt, it is not allowed to continue collecting the debt from you nor can it sue you or list the debt on your credit report. XXXX XXXX XXXX is assuming the correspondence was received which it was not. I discovered the actual alleged debt from an uploaded document they sent again to the CFPB. This is now my second attempt for them to comply to the law. After the the fourth attempt I will be seeking other legal remedies. This company from numerous XXXX   complaints have a history of ignoring federal laws and continuing collection activities this is why I am getting the CFPB involved in https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
my credit card was paid in full XX/XX/XXXX XXXX and this is not the first time for the fidelity bank card not the banks care i sent messages to all three reporting s ags i just finished going in the program national debit relief after XXXX  years they got me involved in a loan with reach i have been paying everything down the car loan i had a covid contract to pay interest only and i got hit with a late payment all of this i am and i try ed to talk to bank and credit cards i am on XXXX and pay on auto every month this system has to change the little people are getting hit hard i have talked to both credit cards company 's and banks and expire n XXXX  and XXXX XXXX credit reporting people i don't know what to do next please help i am not the only XXXX out there with this problem

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 2020-07-29
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: Public record information inaccurate

Complaint:
I disputed an inaccurate Bankruptcy Judgement that is reporting from all XXXX credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy XXXX XXXX XXXX XXXX Georgia, and XXXX stating they do not report to the credit bureaus. I mailed certified letters with all of this information to XXXX, XXXX, & TransUnion two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy XXXX, & XXXX  are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX, US Bankruptcy XXXX, & XXXX. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, T ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2018 ; DEPT OF ED/XXXX XXXX Balance : {$3800.00}

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 2019-03-05
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I made a purchase of over {$500.00} on my XXXX charge card ( issued through XXXX XXXX ).  On XX/XX/XXXX, I paid the balance, in full. I tried to use my charge card on XX/XX/XXXX and was unsuccessful. I was unaware that my account had been closed without my permission or any type of notice. This caused a decrease in my credit score by over 25 points. I do not carry a large outstanding balance on any of my cards, and I try to use all of them at lease once every 6 months to keep them open and active. I am trying to maintain a high credit score and low utilization rate so that I can purchase a home in the near future. This is not the first time Comenity Bank has done this to me - closing accounts with no notice. I have lost at least three accounts in this manner, thus causing credit score fluctuations and concerns. 
Through my account, online, on XX/XX/XXXX I received a notice regarding changes in the way they calculate the minimum payment due, as well as changes to their arbitration process. NO WHERE did I read that they were closing my account. 
My personal assumption is that they close these cards regularly so that it incentives customers to continuously open new accounts ( new account = discount on purchase & employee commissions ) ; this behavior can have a negative impact on one 's credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice of Conditional acceptance and Affidavit of Debt Validation was sent out via certified mail VIA XXXX XX/XX/2023. Tracking number XXXX Requesting specifically validation of the debt under penalty and perjury. There is a copy of the affidavit attached. The notary signed the copy sent via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2020 I fled for unemployment. By the information, my card was mailed on the XXXX. The date now is XX/XX/2020 and I have yet to receive a card. All contact numbers are automated and don't give the option to speak to a rep to issue a new card. From the Alabama Department of Labor first regave the number, I had already tried. Then suggest cfpb.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Marlette Funding, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BESTEGG was advised to investigate a few things that I believe are inaccurate and they never responded. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SunTrust XXXX XXXX - Please kindly accept this as formal notice, requesting the termination and closing of Account ( s ), resulting from SunTrust Mortgage , Inc. failure to repay its Funder sums owed rendering a default upon Account. The undersigned have no obligations or liabilities owing to SunTrust Bank, or SunTrust XXXX XXXX, therefore it is understood, SunTrust XXXX XXXX will return to the undersigned, by transfer, securities and property in Account ( s )  and will no longer accept orders for the transactions after receipt of this notice of termination requesting the closing of any and all Accounts. These accounts would include securities and property recorded upon the XXXX XXXX County Registry and identified as 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, and XXXX XXXX XXXX. Thank you, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, North Carolina XXXX and XXXX XXXX ( fka XXXX ) XXXX XXXX XXXX XXXX, North Carolina 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