BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
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: Their investigation did not fix an error on your report

Complaint:
I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to XXXX verification, and do not consent to XXXX being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear whom might be concerned, My name is " '' XXXX XXXX ". I have been trying to report about inaccurate items in my credit report over past year. However, none of the CFPB 's response has fulfilled my demand. ** Please investigate these derogatory account within the legal time frame of 30-45 days as. I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the below items ) and filing lawsuit if not done. 
**Address** _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These address are not belong to me, please delete it immediately as they are intervening me from obtaining credit. I have enclosed proofs of my current address and driver license. 
*Auto loans* _XXXX XXXX Reported : XX/XX/XXXX How can there be $ XXXX  monthly payment in a closed account. DELETE IMMEDIATELY. ** HARD INQUIRY* _XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX This is unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. In accordance of " Metro 2 Compliance Violation " ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A. Please delete it!!!! 
_XXXX  XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized and the credit bureau has violated " Metro2 Reporting Compliance " by not reporting their contact information.

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 2022-07-25
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date:XX/XX/XXXX15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to contact the companies explaining the situation, I also sent in a copy of my id, so they could see my identity, but they refuse to remove & told me I needed to make a police report for identity theft, but a police officer told me I could n't make a report because it was over XXXX years ago

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A company identified as IC Systems contacted me by telephone at my job about a week ago and wanted me to " verify my address ''. Because I had no established relationship with them and did not know who they were I refused to give any information and asked that they not contact me on my work number again. They have since called the company repeatedly, prior to my work hours, and have disconnected or hang up the call as soon as someone answers other than me. I was told they asked what was a good time to reach me and was told after XXXX XXXX. Since I spoke with them about a week ago ( after XXXX ), their names appears on my employers call log on at least two occasions -- most recently this morning ( XXXX XXXX, 2016 ) at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company, LVNV Funding have collection in my credit file. This is suppose to be from XXXX XXXX. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied a loan modification from my bank. I was not given a detailed explanation over the phone by bank representative XXXX. Also I did not receive anything in the mail about my loan modification being denied. If I did not call in to ask I would have not known anything. XXXX said they have to mail me a letter because she could not see a denial letter in my file that she could have emailed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting a mortgage that does not belong to me or my husband the account number that shows is XXXX the account shows foreclosure started, I need this remove from our credit. 

XXXX XXXX XXXX XXXX is reporting that they were included in my Chapter XXXX Bankruptcy account number XXXX, XXXX was not included in my mortgage and I need it removed from my credit this wrong reporting cost me my loan.

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 2016-08-18
Company: Paypal Holdings, Inc
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
As an Ebay user i have purchased many items thru PayPal using my secured password, but now my entire credit card & bank account information is listed on Ebay automatically, that includes my PayPal password as well. I have never received any information to allow instant transactions with Ebay thru PayPal, not from Ebay, or PayPal. This is an invasion of my privacy by Ebay, and a security breach by PayPal. The whole reason to use PayPal was to protect my privacy from Ebay and other companies that i purchase item from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Flagstar has misappropriated funds from mortgage customers through unauthorized " fax fees '' charged for payoff statements. They overreach their interpretation of permission waivers to quietly add a usurious fee for faxing payoff notices. XXXX attempts to resolve this dispute were unsuccessful. Customer 'service ' representatives were rude, condescending, and unreceptive to any sort of negotiated resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: TX
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:
Ive tried to call, email and do stuff to obtain the credit report from Equifax. It has not been updated since XX/XX/2018. 
I was trying to refinance my home due to minimal income and unable to do so because they can't obtain my credit report from Equifax! 
This is hurting me drastically! 
Ive filled out all online consumer websites help here and emailed XXXX XXXX and Equifax. 
No answer from you. 
Please unfreeze my credit report now XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was paying my card regularly after i bought furniture from XXXX XXXX. Last month, my balance was less than {$700.00} and now I am at more than {$3600.00} because of more than {$3000.00} interest added to the account. 
The above shows that these guys are predators. I could pay this amount but I would rather sue the company as I believe that their actions impact a lot of the people that deserve to be helped, the vulnerable. 
Furthermore, I have never seen that statement as I always go in my account and pay and leave. Also see the minimum payment due in XXXX, if they really wanted to warn anybody, they would have made it the remaining balance and they did not because it is a trick. They should be ashamed of themselves. Additionally, it was funny that they threatened me with another promotion that would be ending mid XXXX, and that is supposed to make me pay off the interest promptly. XXXX XXXX methods are simply despicable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: VA
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 recently filed a chapter XXXX bankruptcy. The account XXXX XXXX with the original creditor being XXXX was included but is still showing as an open account with a XXXX balance. I have tried disputing this through XXXX several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX XXXX XXXX : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for Experian dated XX/XX/2019 met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, XXXX 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 2020-06-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Can you help please? 
I put my wife 's stimulus check in my bank and they closed my account and keep the money and will not return check. I have been in contact with my local branch and they can't get the corporate SunTrust to release the check or money for two months now. Every time they would say a letter would come in mail. 
It all started when the XXXX SunTrust bank closed due to CoVid19 so I deposited the check in the atm at bank. I check my bank account on line and the check showed up a couple days later. I went to an atm to get some money out but atm would not work or log in to bank. I called bank to find out the bank put a hold on my account but would not tell me why but said a letter was in the mail to explain why in 7 to 10 business days. I waited and did get a letter saying the check I deposited was being held for 7 to 10 days as it is there policy but that would not affect any other deposits or atm with draws. So I call them as my bank account was not working and found out SunTrust fraud department had closed my account due to the check was in my wife 's name and she's not on the account. I get direct deposit from XXXX XXXX and they sent a bank check in the amount to me after 7 to 10 days later. I got my last bank Statement from them witch show the stimulus check for {$1700.00} and my pay check being deposited and the closing with being both of them being sent out but all I got was pay check. I am still trying to get my money from them but every time I talk to them it takes 7 to 10 days.

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 2019-12-28
Company: TD BANK US HOLDING COMPANY
State: GA
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:
XXXX XXXX XXXX XXXX sent my pay off in late 35 days to td auto finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that XXXX XXXX XXXX XXXX.is trying to collect {$2300.00} for Check N Go. I recently received my credit report and it states XXXX XXXX XXXX XXXX opened a collection on XXXX XXXX. I opened a payday loan with Check N Go in the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. Check N Go. replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According to Check n Go, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can XXXX XXXX XXXX, XXXX open an account after 4 years of opening?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: GA
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 are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( Equifax, XXXX, XXXX  ) Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} ( Equifax, XXXX, XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: U.S. BANCORP
State: AR
Product: Credit card
Issue: Other fee

Complaint:
I paid off our U. S. Bank Business Edge Cash Rewards Card on XXXX XXXX, XXXX, and we quit using that card. I often leave credit card accounts open even though I no longer intend to use them, as many people do. In XXXX XXXX, I realized that I had received XXXX statements ( from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) for this card showing that I have a balance and that my old automatic payment had paid the minimum payments. I then realized that U. S. Bank had charged me an annual fee of {$25.00} per cardholders on the account, totaling {$50.00} for my husband and myself. Since my auto payments only paid the minimum due, they then started charging me interest on the remaining balance. I called U. S. Bank on XXXX XXXX, XXXX, and told them that I had stopped using the cards a year ago. I asked them to remove the annual fees, credit back the interest and payments they took from my checking account, and to just close the account. They agreed to close the account but said they would not do the refunds. I was very surprised as I have had this same exact situation happen with other card companies in the past and they always credited back everything without any problems and closed the account upon my request. I just received another statement dated XXXX/XXXX/XXXX, and the account appears to still be open or, maybe they are just sending bills for it thought it is closed. In any case, they still show me owing the {$42.00} previous balance and they charged me {$21.00} in late fees and interest. Can they really require me to pay a fee on cards that I no longer use or want? I did pay the fees for a couple of years while using the card, but as I mentioned, I 've done that on various credit cards through the years and never had a problem just leaving the account open after it was paid off and letting them know if they did charge an annual fee later that I no longer wanted the card. Some of them never even charged a fee since I was n't using the card and the accounts have, to my knowledge, just stayed open. I have used U. S. Bank quite a few times through the years. Although I had enough problems in recent years that I did not want to ever use them again after paying this particular card off ( and I sent them a letter letting them know that, perhaps that is the problem! ), I know I have never paid annual fees to them before on cards I am not using. I would appreciate your help in resolving this matter. The amount of money is small, but I really do not want to pay this just because I do n't think it is ethical for them to do this to people.

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 2022-07-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
COMENITY BANK XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. THEY HAVE A FRAUDULENT ADDRESS LISTED TO AN ACCOUNT THAT DOES NOT MATCH MY ADDRESS. THE ADDRESS USED ON THE ACCOUNT WAS A FRAUD ADDRESS AND SOMEONE STOLE MY IDENTITY AND USED XXXX XXXX as the address listed and my apartment number is XXXX. 
the apartment XXXX is NOT MINE. 

Account information Account name XXXX/COMENITY/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2018

Company response to consumer: Closed with explanation