BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: CO
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 am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what Equifax, XXXX  and XXXX XXXX are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that Equifax uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Diversified Adjustment Service, 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: Was not notified of investigation status or results

Complaint:
After looking over my credit report I noticed there was an account on my report that I have never seen before. It is a collections account that was put on my credit report without proper notice from the CRA or the collections agency. If I'm not mistaken by law I am supposed to receive a notice before an account is put on my credit report. I demand that the account be verified with a contract and written signature or removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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:
THERE ARE LOTS OF FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT SHOWING THE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I closed an account with XXXX XXXX XXXX in XXXX for their XXXX XXXX XXXX credit card and settled with XXXX XXXX XXXX in XXXX over two payments. I was also promised a deletion upon the agreed " paid in full '' status. I have a letter stating it is paid in full as well as a letter about the agreed settlement and receipts for my payments I uploaded to XXXX who refuses to correct it despite my numerous dispute with the last update being yesterday. I have also contacted XXXX by phone today and they are stating they reported it paid and settled but it does not reflect on my credit report and it has not been deleted. I feel I have been done an disservice and this is a violation of FRCA. This dispute has been brought to Transunion, XXXX, and XXXX as well as supporting documents with no appropriate action

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 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My business account was closed due to a false fraud report from a client who wired transferred money to our business account in Bank of America. I accept that bank of america closed my account, but I do not accept that they're not giving me the funds left in that account. Since my company didn't commit any fraud, and the other part provided false documentation stating this. I have also filed a complaint to my Florida Attorney General 's office due to this matter.

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 2023-01-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND CREDIT LAW, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY XXXX XXXX IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have reported this company twice already. They refuse or are unable to update my tax documents that I need to file THIS YEARS taxes. It is urgent at this point. I have provided all the required information to prove that their outstanding mortgage principal on 2021 IRS Substitute Form 1098 is incorrect based on their own system 's information. It is amazing that this issue has not been fixed and getting in touch with customer service has gotten me nowhere. We are nearing the end of tax season.

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 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/19 I submitted a method of verification. I speciaifcally asked for all informaiton they are using to investigate and come to the conclusion that all of the informaiton is correct. They received the letter ( attached ) on XX/XX/XXXX. https : XXXX XXXX Already on XXXX they are sending back through their online communication that these items have been investigated before and are refusing to investigate again. First, that is not what I asked for. I asked for the PROOF. Second, they have to investigate again if I send a letter stating I need proof based on the LAW. They want me to send proof from years ago. I don't have it. It doesn't work that way anyways. They have to send me what they are using to come to this conclusion. It is not guilty until proven innocent. They can not just report something without providing the evidence. 

I have asked for the proof by law within 14 days. They have until XX/XX/XXXX ( 14 days fro receipt of letter ) to provide me the proof or they need to remove these items immediately.

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 2019-03-04
Company: Waypoint Resource Group, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried to apply for a car loan and discovered there is a XXXX bill collection on my credit report. I tried to contact the company listed on my credit report and they have NO working numbers, or email address or anything. How am I supposed to figure out this " collection '' IF they have never contact me and have NO WAY of getting ahold of someone!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Synchrony Bank thanking me for my recent application, but additional information is needed to process my credit card application. On XX/XX/2019, I notified Synchrony Bank I did not apply for a Stein Mart credit card. The representative I spoke with stated she will close the application and remove the inquiry from my credit file. Unfortunately, this process was not completed by Synchrony Bank and the inquiry remains on my credit file.

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 2023-02-15
Company: EQUIFAX, 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:
VIOLATION TO CONSUMER FCRA AND METRO 2 CXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I want to report regarding an business account with CITI BANK. I closed the account last 2014 but before the account was closed there was a wire transfer. I have a invoice that a transfer was given to my account. I called customer service couple of times and I filed a report with them. They said they no longer have information about that account and they told me to go to the branch to verify it. I went to the branch but I was told it might be unclaimed money. I don't know my rights about this problem and that is why I am reporting this to CFPB

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 2022-02-01
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX, XXXX is reporting a fraudulent account. I file a report with identity theft .gov. Report number XXXX and XXXX Enhanced Recovery Company {$450.00} date opened XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was laid off in XXXXI called XXXX and told them i was having issues getting my unemployment and i would make my payment as soon as I was able to get unemployment straightened out. 
I paid it as soon as I could. This should not have nit a 30 day late on my credit report. we are in a pandemic with a situation out of my control. I have since paid everything to current. I have never been late before. this is not fair.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-03-03
Company: EQUIFAX, INC.
State: MA
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  keeping my old ( 10 years old ) credit card that was unpaid due my hard time in college. A statute of limitation in Massachusetts Maxing all your dept on credit report up to 6 years General Laws Part III Title V Ch. 260-2.  Please have them remove it because it damaging my score for life and violating my civil financial rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/2017 ... this account was paid in full including interest for XX/XX/XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and sidley I'm the person being harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collection company inaccurately fraudulently reported on my credit reports. It is saying I made a payment to them in my XXXX when I did not. Its further reflected in my XXXX that these payments never happened. I dont know what is going on and why they are reporting these deceptive claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Exeter Finance Corp.
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:
This is in response to your recent claim that the Account # XXXX is belong to me that is my account, Yet you have failed sending the Wet Ink contract bearing my signature and an agreement showing I have legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : Unemployed This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX Mortgage Services - XXXX and XX/XX/2021. Inaccurate reporting of late payments. Account was in forbearance due to COVID 19. See attached letter confirming.

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 2023-02-08
Company: EQUIFAX, INC.
State: NV
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. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: GREAT LAKES
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and set up a payment program where I would repay the highest-interest loans first. The lady on the phone when I called indicated that this is how it would work. This was 6 months ago. I log back on to my account to see that this is now what's happening ; they've been distributing my payments equally among the loans, not targeting the highest interest loan like I specifically set up. I called them back and they said that this is standard procedure and can't be changed. I am suspicious. I think it is fully within my right to choose which loan I want to repay first, but according to them I can not do this, i must repay in the way that they dictate ( spread out among the different loans and interest rates ). This seems pretty manipulative and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation