BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


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 XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit cards ending in XXXX and XXXX were closed. I did not authorize these account closures and did not have any unpaid balances or other reasons to close these accounts. This has damaged my credit as they are long standing accounts and they were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 OBTAINED A COPY OF MY CREDIT REPORT AND THERE ARE MEDICAL BILLS ON HERE THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS, AND SEND ME AN UPDATED COPY OF 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 2020-12-23
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest ofXX/XX/XXXX No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,

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 2020-07-09
Company: TRUIST FINANCIAL CORPORATION
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 status incorrect

Complaint:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-11-22
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:
Student loan servicer XXXX, and credit bureau Equifax has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with XXXX since XXXX. XXXX is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from XXXX. The loans are reporting late with a {$0.00} balance. 

I have called XXXX several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact Equifax, because Equifax is doing the misreporting. 

I have called Equifax, and have disputed the incorrect late payments with Equifax, but they are stating XXXX is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, Equifax would not honor it. 

XXXX is the only servicer of my student loans, as evidenced with the department of Education. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. 

I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being homeless. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TD BANK US HOLDING COMPANY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX MN
XXXX

 HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF $2358.00. THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: Experian Information Solutions Inc.
State: MI
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:
I recently checked my credit report and noticed a couple inquiries on the report that should not be on there. Ive listed them below with the reason I believe they should not be there. They need to be deleted as they are inaccurate. Also, if the bureau says they are accurate, they must provide proof under the FCRA. 

XXXX XX/XX/XXXX DO NOT RECOGNIZE THIS AND DO NOT HAVE AN ACCOUNT WITH THIS BANK XXXX XX/XX/XXXX I BELIEVE THIS IS A DUPLICATE PULL AND MUST BE DELETED AS I DID NOT GIVE MY PERMISSION XXXX XX/XX/XXXX I BELIEVE THIS IS A DUPLICATE PULL AND MUST BE DELETED AS I DID NOT GIVE MY PERMISSION Again, if this inquiry was pulled with my permission, please provide proof. You can not provide proof as I did not authorize.

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 2021-02-08
Company: SYNCHRONY FINANCIAL
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:
There is unknown hard inquiry on my credit report per XXXX. Im requested the verification of the inquiry and the method of verification. SYNCB/LOWE 'S XXXX XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2020-01-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The complaint is in regards to removing PMI from my home mortgage. I am currently just short of the 5year mark for having my home and have been trying to remove the PMI for almost 1 year. I have sent several  written letters via mail to Rushmore Loan Management Services with copies of county tax assessments as I was instructed to do so with no luck. Two weeks ago I called and spoke with a woman who was intentionally vague about giving me any information as to how much I needed to pay towards the principal in order to have the PMI removed and lower my monthly payments. She finally said {$37000.00} " should '' work. I paid {$38000.00} to be safe. I then read everything I could on the matter and decided to pay an additional {$5000.00} to be sure bring my loan to debt value to % 73. Today ( 10 days later ) I spent about 45 minutes on the phone and was placed on hold 3 times while trying to get the PMI removed. I was repeatedly told that I needed to yet again write a letter mail it in wait for a response then mail in an authorization form so Rushmore could have an appraisal done to my home at my expense and they may or may not remove the PMI after that. The way the law is written I understand it to state that since my loan to debt value is % 73 the PMI should be  removed with no appraisal necessary automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with Equifax of XX/XX/2020 and received an email the same day stating my confirmation number as well as notification that I would receive results in 30 days. Today is XX/XX/XXXX and I still have not received results from Equifax. I have logged into their website and it still shows my dispute as being active. A representative has admittedly stated there is nothing they can do to assist me even though they have failed to communicate and update the accounts. An investigation was completed nearly a month ago and Equifax does not have any records or proof that they have EVEN attempted to contact me concerning my dispute. This is completely unacceptable and they are in violation of the FTC guidelines to notify their consumers within 5 days of receiving results. I expect these derogatory marks to be removed from my credit report immediately. The attached file is a screenshot from today XX/XX/XXXX taken at XXXX after I logged onto Equifax website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I had a fraudulent XXXX  transaction. I called the bank as soon as it posted ( less than 2 business days ) The bank basically says I did it and will not put the money back. I asked for paperwork supporting the denial and they sent 3 screen shots. Luckily a teller at the bank printed the whole investigation file ; ) so I know that what the bank says and what they found are not the same.

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 2020-05-23
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I hereby, request your assistance in my dispute against CITICard for wrongful reporting of late payment XX/XX/2018. I have contacted them in three separate occassions, but they have chosen to ignore my documentation and plead to correct my credit. They have unfairly, deceptively and abusively reported incorrect 30-Day late Reporting for Citicard ending account no. XXXX for XX/XX/2018. See attached copy of the Citi monthly statement for billing period XX/XX/2018 to XX/XX/2018, listing XX/XX/2018 payment dated XX/XX/2018. The statement XXXX payment late fee listed as XX/XX/XXXX was for the posted payment of XX/XX/2018, also listed here. Also find included statements for billing period XX/XX/2018 to XX/XX/2018 and XX/XX/2018 to XX/XX/2018, listing XXXX payment made on XX/XX/2018, due on XX/XX/2018. You can clearly see that XX/XX/2018 payment was not paid 30 days late. It was due on XX/XX/2018 and received on XX/XX/2018 by CITI. 

This documentation clearly shows that CITI is in clear violation of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), Unfair, Deceptive and Abusive Act Practices ( UDAAP ), and Federal Trade Act ( FTA ) by requesting a lower monthly payment amount to keep account current and still reporting XX/XX/2018 payment as late to the credit bureau. If you see, all other months in 2018, I had similar balances and lower payments were allowed and paid to stay current. 

CITI has caused me harm and undue reputational damage by having credit denied and paying higher interest on other debts. I was unaware about this late reporting, until I tried to refinance my home recently and the bank provided this information. CITI deceived me to my detriment. I had no way of knowing the wrongful and abusive practices in CITI credit reporting. 

If you have any questions, please call me at XXXX. 

Sincerely, XXXX XXXX XXXX Attachments : CITI Billing statements

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 2020-09-08
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX continued to bill me for services I was never able to use since I moved. They realized this and marked my account as having a XXXX balance and refunding me {$47.00}. They continued billing me on the old account and are now claiming I owe {$160.00} which I do not owe since I moved from that address and called multiple times to disconnect the service. Attached is a document showing their refund for my over payment since I moved. I repeatedly shared this information with Experian via their online dispute system but my submissions were not taken into account when my credit score and payment status were updated.

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 2021-02-23
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened business checking and savings account on XXXX and got an alert on Mobile banking to call due to suspicious activity after calling customer service, was told back in XXXX chase decided I can nolonger open any accounts with them. I have credit card with them that I've had no issues on. If I can get a credit card why can't I get a business checking or savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is regarding my XXXX XXXX credit card through Comenity Bank. On XX/XX/XXXX, I contacted them to let them know I was having trouble making the XXXX payment and asked for a deferment ( on their website they did offer COVID assistance, which was a message I read when I logged in to my account ). I have been unemployed since XX/XX/XXXX, and had been making my payments all along, but then my Unemployment benefits were stopped on XX/XX/XXXX for an invalid reason. I subsequently had to file an appeal with the state but that hearing was not scheduled until XX/XX/XXXX, so I didn't have the income for nearly 8 weeks at that point on XX/XX/XXXX. They agreed and said I would not have to pay my XX/XX/XXXX nor my XX/XX/XXXX minimum payments. Then, on XX/XX/XXXX, I logged in t my account to check it ( this is my payment due date ) and it showed NO minimum due - XXXX. At that point, my unemployment benefits had just begun resuming, so I made a small payment of {$40.00} ( again, NO payment was required ). The {$40.00} payment cleared on XX/XX/XXXX. On XX/XX/XXXX, a Sunday, the calls from Comenity Bank began, starting at XXXX in the XXXX. They called at least 8 times, and each call was from a different number ( in Ohio, Colorado, etc. ) or, showed up as a blocked number. On XX/XX/XXXX, I did finally answer one of the calls, and explained to the agent that I did in fact make a payment when none was due and told her it had already cleared. She thanked me and said she would notate the account. Well, then, the next day, on XXXX, the calls continued from Comenity. I had NINE missed calls from them on XXXX. I did not answer, figuring their computer system hadn't yet updated or something. The next day, on XXXX, the calls continued. I received THREE calls that morning ( all within the space of under 2 hours ) and I finally answered. I told this new agent the entire story and that I had just told an agent on Sunday, XX/XX/XXXX, that a payment had been made when none was required. I then said I would file a complaint with the CFPB if the calls continued, as they were harassing me. All for $ XXXX. It's ridiculous. The calls did stop for a few days, but they just began AGAIN! Today, on XXXX. I have not answered yet but decided to file this complaint instead. I have all the calls saved in my phone, and again, they are from different numbers. When I re-dial the number it says Comenity Bank, so I know it is them. If they can not manage a COVID assistance program for their customers, then they should not offer it!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian failed to remove and delete XXXX XXXX bank from my credit report, please reinvestigate multiple inaccuracies payment was never late payments and I am a victim of Identity theft. I have a fraud alert on my credit report please provide me with who investigate this issue and what methods they used

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 2020-01-28
Company: Athena Bitcoin Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I filed out an application to become a bitcoin XXXX XXXX. I received an email on Monday that my application was accepted. They send me a check with email instructions and they assigned a surveyor whos name is XXXX XXXX. I deposited the check as instructed and proceeded the next day with the assignment which was not successful because the bitcoin atm is not working. The surveyor was texting me the all time. Once I couldnt complete the assignment he demanded I buy gift cards with the money and send the rest of the money which was a total of {$3600.00} to his account. Since I thought the check was cleared I sent the money to find out the check bounced a days later. I tried calling the number is busy and no one is answering my emails. The promise was that I complete the assignment and a survey and be compensated {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Southern Credit Recovery received and SIGNED the return receipt mail ( dispute ) that I sent to them. On XX/XX/XXXX I obtained a copy of my credit profile and noticed they did NOT COMPLY with Fair Debt Reporting Act Section 623 ( a ) ( 3 ) and Section 807 ( 8 ) by not placing a dispute remark on the credit profile to the 3 credit bureaus. A well as they did NOT VALIDATE or VERIFY this debt. They did NOT send me a signed contract or anything that shows I am obligated to pay for this alleged debt, which is NOT mine. 
Enclosed : front and back of certified mail with their signiture showing receipt and a print out of my credit profile showing it was not placed for dispute in the amount of time given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: DE
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:
Over the past 1.5 years, I've tried numerous times ot get my free annual credit report on XXXX. I can pull XXXX and XXXX, but for some reason EFX continues to populate the Auth Interview, I take it and pass, and I'm greeted with a message that reads, " Online Delivery Unavailable '' and tells me I have to write into EFX.

Company response to consumer: Closed with explanation