BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you in order to solidify my complaint. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: HYUNDAI CAPITAL AMERICA
State: CO
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 XXXX vehicle as total loss. Insurance fully compensated company and paid company. Have disputed for years, but remains as a " repo '' on my account and displays as over 180 days late. It should show paid off in full. XXXX provides a XXXX balance on the account. XXXX and XXXX refuse to correct the information, XXXX however, resolved the dispute and corrected the information immediately. 
Colorado US District court 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 2021-02-03
Company: NORTHWEST BANCSHARES 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:
In XX/XX/XXXX my mortgage with XXXX XXXX XXXX was transferred to Northwest to oversee my acct. I filed a dispute with your agency against Northwest and a decision was made that my claims should not be against Northwest but against XXXX Since then XXXX has filed and rescinded the foreclosure on my property. There is currently a complaint against XXXX  with the Attorney Generals Office. My attorney is still waiting for XXXX to get back to them on how they are going to negate the issues. After reviewing my credit report I found that Northwest was reporting to the credit bureaus. I contacted them in XX/XX/XXXXand ask them to remove the account at least until we know the outcome of my case since it is still pending and no decision is made. The representative said they has to contact XXXX  and will call me back. When the rep called me back she said XXXX  said that if I had a problem to contact them. When I contacted XXXX they never addressed my issue about the Northwest but continued to go back and forth about the pending case. Therefore contacting you is my only way of resolving this.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: MD
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 XXXX its paid in full XXXX XXXX XXXX both paid in full XXXX Needs too be removed also Ive ask that my inquiries be removed all the ones that are not tied to account be I did give permission to check undates on credit cards are not right

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 started sending disputes since XX/XX/2023 about inaccurate accounts on my credit report. I mailed certified letters the each credit b about the inaccurate accounts on my credit profile. After that I mailed out letters on XXXX to address some of the same issues and still they were not fixed, last I mailed out letters on XX/XX/2023. After I checked my credit report there are still accounts reporting inaccurate on my credit report. These accounts are still showing inaccurate information. I will attach the letters that were last sent out with the tracking numbers for all complaints sent out. This is causing me so much stress now and I want justice. 

These are the accounts that I am talking about : XXXX # XXXX the date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX # XXXX The date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX XXXX XXXX shows that I had late payments and they did not send any proof, which I requested a bank statement showing when I was late.

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 2023-08-14
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:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, I have sent letters MONTHLY to Experian as well as XXXX and no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as PAANL. XXXX XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved. According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-03-14
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXX & XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In 2010, I closed my joint account with my XXXX They told me I could not close the account without a XXXX XXXX  in hand. No activity happened in the account and I took my XXXX XXXX to the branch on the day I received it in XXXX XXXX XXXX  I closed the account and they assured me that it was closed to all activity. I specifically asked because it was a joint account and my XXXX XXXX XXXX XXXX. XXXX weeks later, they said that my closed account was overdrawn by XXXX of dollars in overdraft fees. No money was paid from the closed account to someone else. ALL of the money was in overdraft fees. I have asked many times ( as recently as XXXX  years ago when I opened a credit card with them because a store used them as their credit ) and they NEVER give me an answer. They XXXX XXXX XXXX XXXX from me and have never repaid it although I have had them investigate it multiple times. I bring it up AGAIN now because of the lawsuit they lost, doing exactly what they did to me. I dont have the account number handy as it was over XXXX  years ago but I have never given up on getting the money back.

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 2020-01-26
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX Assistant Property Manager XXXX XXXX XXXX XXXX XXXX regarding an outstanding bill XXXX. ( see email ) On XX/XX/XXXX. XXXX. I was contacted by XXXX XXXX Property Manager XXXX XXXX XXXX XXXX XXXX regarding alleged amount I owed for move out cost. I disputed the amount and asked for an itemized breakdown. I was giving an estimated and not itemized invoice services were completed. ( see email ) On XX/XX/XXXX. I was contacted by XXXX XXXX regarding the drywall. Ms. XXXX stated, " I am waiting for XXXX XXXX to x your drywall on Thursday. Once I get an itemized invoice from them I will forward it to you. ( see email ) On XX/XX/XXXX, I contacted Ms XXXX via email. I asked for an updated regarding the itemized invoice. ( see email ) On XX/XX/XXXX. I contact XXXX XXXX Employee Relations Manager of XXXX XXXX XXXX via email with XXXX XXXX CC on the email. I let Ms. XXXX know I have not received any correspondence regarding the itemized invoice and I offered solution to the matter. ( see email ) XXXX XXXX stated they found a second drywall vendor and will get it done this week and XXXX XXXX stated, XXXX XXXX has not completed the drywall because the employee who handles all the drywall has been out on leave. XXXX XXXX expects to complete this by XX/XX/XXXX. 

Until this day. I have not heard from XXXX XXXX, XXXX XXXX, or anyone at XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I never received an email, a phone call, or mail regarding itemized invoice for services rendered. 

XX/XX/XXXX, I became aware of a collection account on my credit from national credit systems that was reported on my credit report on XX/XX/XXXX. I have never received a call, email or mail from national credit system. I never had the opportunity to dispute this collection. 


POC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I paid a bill on my XXXX 's credit card early using my bank account. I also had autopay active from a different credit union account. Although XXXX 's autopay says that autopay will be adjusted not to exceed the statement balance, they nonetheless tried on XX/XX/XXXX to debit my credit union for the amount of the bill that I had already paid and owed nothing on. My credit union account did not ( nor did it need to ) have the funds needed to pay this non-owed amount, so I was charged both a {$27.00} fee by XXXX 's and three separate {$25.00} fees by my credit union. These fees were the fault of the XXXX  's credit card for billing me twice for the same bill. When I complained to XXXX 's on XX/XX/XXXX, they refunded my {$27.00} fee. It was only later that I discovered the {$75.00} in credit union fees XXXX 's had caused to be incurred, so I complained about these in another message dated XX/XX/XXXX. I was asked on XX/XX/XXXX to mail or fax them a copy of my credit union statement to request a refund. I did so. When I found no change had been made, I contacted them again on XX/XX/XXXX and asked for an update. They informed me that my request had been denied because they " do not refund overdraft fees '' ( although the fees in question were in fact return charges, not overdraft fees ). When I reminded XXXX 's that the fees were entirely their fault due to their mistaken billing of my account, they provided no assistance. The point of all this is that XXXX 's is at fault for billing my account mistakenly and causing fees to be charged to me and they will not make it right. Furthermore, if they were not going to help with this, they ought not to have requested that I waste time and postage mailing them a credit card statement that they were just going to throw away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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 was a balance of {$310.00} with XXXX XXXX on my report that I paid in full. The balance still has not been updated. Not only that, I spoke with a representative prior to making payment in full and they advised that the account would be removed from credit report once payment is made. I have attached proof of payment in full from my bank account showing that I made payment to XXXX, and also attached a breach of contract. XXXX is in breach of contract for the verbal agreement they made with me to remove the account. This account needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 Innovation recovery collection account was removed from my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 fraud alert and would like these fraudulent accounts and inquiries removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To EXPERIAN : This is a response to the letter you emailed me today XX/XX/XXXX I clearly, specifically indicated the items to be blocked and delete and the reason why to do so. You are the one reporting fraudulent information without my written consent. You are fully aware of which reports are " your '' fraudulent reporting from the list that I submitted clearly. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Again, do you have the Consent for Release of Information forms ( SSA-3288 ) ( SSA-89 ) with my Signature/Authentication feature giving you my written Consent That is required by law under the Social Security Act? I am not contracted with you, your reportings are fraudulent Pursuant to 18 USC 1028 youre trafficking private information on my consumer report without my consent which is identity theft. I am Demanding that the reporting ( s ) of this information be blocked and deleted Pursuant to 15 USC 1681c-2. My demand to block is not being made in error ; nor is my demand to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. " THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER ''.

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 2023-01-21
Company: Experian Information Solutions 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:
Reporting a Bankruptcy on my credit report that is not mine and they keep verifying it when its 2 different social security numbers and reporting my XXXX account closed when it is not

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