BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: OR
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 have sent multiple communications to Equifax about inaccurate to completely wrong information on my credit report. I have been waiting for several months with absolutely no response and trying to purchase a house. My XXXX score went up 110 points several months ago after the information was fixed but still nothing on Equifax so there is over 100 point difference between the two right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Experian Information Solutions Inc.
State: OH
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:
Under the new law effective XX/XX/XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers 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 explanation
Consumer complaint received 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XXXX XXXX our credit card account was closed without any notification. I contacted Bank of America who stated the account was closed because of a business decision not to support the type of account we have. They stated they mailed a notice on XXXX XXXX to advise they no longer support the account, which is the same day they closed the account. This put our company in a difficult position and left several of our employees stranded, unable to obtain fuel or make the purchases they needed to make. I understand Bank of America has the right to make a business decision to close an account that may not be profitable to them. However, I believe they should be required to provide advance notice before accounts are closed, especially when the account is in good standing and has not been paid late. Please note : I was a customer of Bank of America for 12 years and this came as a complete surprise and caused substantial disruption to our day to day business.

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 2022-04-30
Company: Financial Management Solutions, LLC
State: NJ
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 XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and XXXX  that XXXX was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and XXXX party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent XXXX multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via XXXX certified postal mail on XX/XX/2022. XXXX has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that XXXX no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my XXXX credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand XXXX stop violating the FCRA and the FDCPA.

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 2021-12-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX and equifax are showing inquiries on my credit report that i do not recognize. although i know i must go through a process, it will be hard for me to do so since i am a XXXX veteran and have a hard time getting around and moving due to my declining health issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: MoneyLion Inc.
State: NJ
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 XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and XXXX  that XXXX was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and XXXX party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent XXXX multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via XXXX certified postal mail on XX/XX/2022. XXXX has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that XXXX no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my XXXX credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand XXXX stop violating the FCRA and the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Trans union is reporting over XXXX fraudulent transactions Resulting from that identity theft. I have decided this Dispute this matter Several times every times.And also sent FTC report and requesting that all inquiries be delete it

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 2022-04-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent XXXX dispute letters for XXXX to remove this XXXX  # XXXX that does not belong to me and does not have my last name. They did not respond to 2 of my disputes only 1 and said it was verified by the courts and it was not because I contacted the court and the court sent me a letter that said they did not share information with XXXX which means it was not verified and they need to remove it off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: NAVY FEDERAL CREDIT UNION
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:
XXXXXXXX XXXX,2021, Navy Federal ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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: Their investigation did not fix an error on your report

Complaint:
TransUnion has repeatedly failed to dutifully investigate incorrect information on my public report For an account listed on my credit report that is invalid and not open. TransUnion has repeatedly taken the side of a collection company that refuses to provide proof that I have an account open with the company listed on my credit every month as " XXXX XXXX ''. TransUnion reports the account as verified accurate despite that the collection company reports false and misleading information about me, and refuses to provide validation of the debt.

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 2020-08-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, without prior warning or advice, CitiBank arbitrarily lowered my credit limit on my Diamond Preferred credit card ending in XXXX by {$700.00}. I was informed of this punitive action via e-mail the next day. This unwarranted credit limit reduction by CitiBank increased my balance from 89 % of my credit limit on this this card to 95 %, which left me with only {$400.00} available credit and clearly exacerbated the high credit-to-debt ratio that CitiBank claimed to be its main reason for the credit limit reduction. It has also made it nearly impossible to significantly reduce my credit-to-debt ratio in the foreseeable future. 

I also use this card for several automatic recurring payments that would have exceeded my credit limit had they been processed before I had been advised of my credit limit reduction. 

I have never missed a payment on this credit card since I opened the account in XXXX, and I pay more than the minimum every month. I have also reduced my high balance to XXXX several times. I have never heard of anyone having their credit limit reduced, let alone someone with such an exemplary payment history. 

CitiBank alleges that I am a valued customer, yet I am not sufficiently valued to be advised by CitiBank that it might have an issue with my use of credit. When I contacted CitiBank to protest, the representative with whom I spoke said it was a business decision that is final, and my record with CitiBank is irrelevant if my overall credit is not well-managedwhich, of course, is an entirely subjective, arcane, capricious, and secret, formula to which I could not possibly hope to conform if CitiBank refuses to share its concerns with me in time to take some sort of remedial action to pre-empt any such severely punitive action. Had CitiBank provided me with a guide that advises me exactly what it considers well-managed and instructions on how to correlate that with my credit report, I would have been able to avoid running afoul of the CitiBank credit monitoring. 

This unwarranted, capricious, and punitive, action by CitiBank has set off a cascade effect with my other credit card companies, acting as essentially a red flag on my credit report. As a direct result of this action and its resultant increase of my debt-to-credit ratio, XXXX XXXX XXXX reduced my limit on my XXXX XXXX Visa card by {$4500.00} two days later! Unfortunately, it is now likely that other credit card companies will follow suit and even further damage my credit score, which has been lowered by these two actions to the point that I could not lease an apartment today if I needed to do so. 

This action by CitiBank was completely unwarranted and punitiveand highly unethical.

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 2017-10-24
Company: Brelvis Consulting, LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX Website : XXXX // XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Paid only one payment of 3 of ( XXXX ) Payment Method : Credit Card Subject : Defraud Company posing a people that can help you get lower rates on student loans. I spoke to the representative and based off of my financial issues they guaranteed a payment of XXXX dollars with current provider XXXX. 

They asked for 3 payments of XXXX. Of which I paid XXXX payment. Their loan specialist would then work with XXXX to lower my student loan payments. 
Their partner processing company XXXX XXXX asked for my last year tax statements and two recent pay stubs. 

About two weeks later they sent me a mail saying that they lowered my payments to {$1300.00} ( The initial payment was XXXX dollars ) and they would have a renewal rate confirmation coming from XXXX XXXX the loan provider ) within XXXX days. 

This immediately struck me because I they gave me a number to reach and it could not recognize my SSN through the XXXX number to cross verify what was talked about. I was not able to reach anyone so I called XXXX directly. 

I ended up Talking to a representative at from the number listed on XXXX 's site and found out that that the number The Student Loan Help Center provided was false and they never at any point reached out to XXXX on my behalf. 


The company guaranteed a rate of XXXX payments and after the payments for 10 years the loan would be forgiven over the phone. 

I also spoke to XXXX the only way that a loan could be forgiven was if I worked for a full-time non-profit Or was a teacher at a title 1 school. 

I have since then I negotiated with XXXX on a payment plan and stopped payment to XXXX XXXX XXXX XXXX XXXX for misrepresentation services. 

I have also recieved a deliqent payment mail from XXXX XXXX XXXX XXXX XXXX / XXXX demanding payment within 7 days or they are going to file for collections against all three credit bureaus and also file a report to the IRS. 

So I have have filed a claim to the State of Florida Attorney General, The Federal Trade Commisson, Created a new ID on FASFA, Filed a claim to the Dept of Edu, and notified all three credit bureaus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX superior court of new jersey. the debt was paid in full XXXX XXXX said the company did not want any money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The PennyMacUSA mortgage company website has an online payment free login service. For months I have tried ( as have other customers ), to login and make an online payment. Every time I get to the point where I have ALREADY past verification codes, and security checks have been 'cleared ', the screen stays stuck at the 'successfully login screen '. The Green Check mark indicates login successful. Nothing changes. I can not access the 'Make a Payment ' screen and if you click on the menus up on the top, it 'kicks you out ' only to return you back onto the login screen. Nothing on the websites Home Page indicates one needs XXXX, XXXX, etc. My browser does have XXXX XXXX enable, no firewall or virus protection programs to block access. Even my security on my browser is minimal. I believe the company purposely does this in order to have customers use the 'Automated Phone Payment System ' which charges 'convenience fees '. Also if payment is made via Customer Service the fee also applies. The company is trying to make more money by having the NON - FEE payment method unavailable to its customers, especially at critical 'XX/XX/XXXX of the month ' period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: NV
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 credit report says I have an alias XXXX XXXX. I think my credit was hacked by people I worked for or people they know. This is not correct information. I have never used this name. Do you need a screen shot of the alias?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A POSSIBLE.

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 2021-12-07
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I disputed this collection account with all three credit bureaus multiple times the latest date being XXXX/XXXX/XXXX. I have a collection account for the amount of {$140.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.

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