BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
On XX/XX/22, XX/XX/22 and XX/XX/22 I asked the credit bureau to investigate items that I believed weren't reporting information at 100 percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.

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 2022-10-10
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:
On XX/XX/22, XX/XX/22 and XX/XX/22 I asked the credit bureau to investigate items that I believed weren't reporting information at 100 percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was living in a apartment complex XXXX in XXXX XXXX XX/XX/XXXX/XX/XX/XXXX. I have never been delinquent on rent. I gained what i feel was a great relationship with the management team and worked very closely to a worker by the name of XXXX. Due to my mother having XXXX XXXX and becoming sickly I ended up having to move back to XXXX in a emergency. I spoke to XXXX and a few others that worked there about my personal information whereas an agreement came about to me being able to leave a bit earlier due to my situation. They informed me that the best they can do was for me to write a letter giving my 30 day notice so they can put the apartment back on the market preventing them from losing revenue and I can leave after the 30th day. In between time I was not aware that new management was taking over. Workers changed etc. When I spoke to the new workers they made it seem like everything was okay. I am trying very hard to fight what is right. If you look at my rental history I have never owed anyone and not pay them. Even if you look into my credit history if I came to a bump in the road I paid it up. It is not fair to me to be informed certain information in agreement and understanding especially when they see I pay my rent which was the reason why they even allowed me to leave because I have done good by them. Now they are saying I owe XXXX dollars for an apartment that cost XXXX a month. I left in XX/XX/XXXX and my lease was up in XX/XX/XXXX. This is incorrect, very incorrect and I have no idea where these numbers are coming from. I feel like I am being scammed and the credit bureaus wont do a thorough investigation. They need to contact management who was there when I resided there in hopes that they remember my case to assist me with these fraudulent charges. I work very hard for my money and would take them to court before I let someone be so immoral just to take money from me that i rightfully do n't owe. I do n't mind paying any debt I have back as you can see. Please assist me with this situation. I also have witnesses from other tenants who lived by and knew my situations and the outcome of how they helped me. I am not sure if it was against their policy but because I gained such a good relationship with them, they worked with me. 

XXXX and XXXX has assisted with my complaint and concluded the account as being closed or Paid, but XXXX wont take the necessary steps to see that I am correct. 

Please Help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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:
In accordance with the fair credit reporting act, the account listed below violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXXXXXX XXXX/ XXXX XXXX Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX Account name and # XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6018 A. states I have the righttoprivacy 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish an account without my writteninstructions.

15 USC 1681 ( a ) ( 5 ) sections state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more thansevenyears 15 USC 1681s -2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that informationisinaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} ; XXXX  XXXX XXXX Date of Inquiry : 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 non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card
Issue: Late fee

Complaint:
I received a late fee from a credit card company without realizing it. I called to take care of the fee, as that was all that was remaining of my outstanding balance. By the time I called to pay the fee, the company had already accrued more fees for nonpayment of my balance, which, again, was only the late fee. The person I spoke with was very nice and said that she would remove the other fees on my account if I paid the original fee that day over the phone. I did just that. This week I received a phone call indicating I now had a balance on this card of over {$70.00} - all fees as I had not made any purchases since my call to pay my fee. It appears the person I spoke to did not clear my fees as she had told me, and the company gave me additional fees. I have tried to explain this to the company, but with no luck, and I ended up just paying additional fees. I believe the practice of charging fees upon a balance that is only made up of fees is unfair and not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXXMy Citi bank checking account and online access to my accounts and thus access to money that I own have been made inaccessible by Citi at least as far back as XX/XX/22. I have called Citi multiple times, and I have repeatedly jumped through all of their numerous verification hoops, and all they would tell me is that my account is " under review '' and that there may not be any further information information until XX/XX/22. Meanwhile, as far as I can see, Citi has stolen my money. I can not access funds I own, and the company Citi refuses to tell me what is going on. Is this legal?

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 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I requested to transfer from Bank of america prepaid account edd to my chase account business account over a mobile app authorize by bNk of america i requested to transfer XXXX but made the mistake to transfer XXXX i waited up to 10 days and keep lan eye on the account account i filed 2 different disputes n 1 escalated claim which funds were never received to my bank and bank of america have been hanging up and not attending my calls ... its been over 3 months now ... I need help.

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 2016-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
We request your action against the XXXX which failed to protect its customer ( XXXX XXXX XXXX XXXX XXXX under Fair Credit Billing Act ( FCBA ) and paid a merchant for goods not received by the consumer. 
XXXX XXXX accepted the forged XXXX delivery receipt although the consumer confirmed that did not receive the goods and XXXX confirmed unavailability of signature. 
On our dispute that recipient of our order did not receive the goods, the merchant provided additional forged email as evidence to its delivery to the recipient of our order. We do understand that XXXX XXXX is not a law enforcement authority but at least it could question the merchant if the provided proof is forged on the basis of the police report we had submitted to it. 
The claimed delivery address does not belong to the recipient of our order. We provided the evidence to the XXXX XXXX that the merchant was aware about this fact and looking for our help to subpoena the property owner where it claimed the delivery.

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 2015-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This public record has been sitting on my report for years now. 
I filed a complaint with the City of XXXX, sent them documentation of my address etc, and they promptly removed the lien. The lien was removed because it was in fact AN ERROR, it never should have been placed on my report. At this point however a third party already sent these details to the credit bureaus. 
I 've since disputed the information with each bureau, XXXX & XXXX promptly removed it after properly reviewing the case. However, Equifax still continues to report this. Their response to my complaint was to simply contact the court who listed the information. The courts verified it was listed and removed, and the dates it was listed and removed. My complaint and my dispute was never whether I was the person in question - it was the fact that the lien was improperly filed and should not be listed on my report as a valid record. The original party who filed this is the XXXX County Recorder of Deeds, NOT the court where it was filed. This needs to be removed immediately. If Equifax inted to investigate, they must contact the ORIGINAL furnisher of the information, not a third party ( i.e. the court ). I have called Equifax several times and requested to be contacted by a manager or someone in authority to handle this, and each time I am then put on hold where all I hear for hours is hold music.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Receivables Management Partners, LLC
State: PA
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:
Agent reporting a medical debt because of a missed payment, yet never reported all the on time payments. Agent 's exact words to me wwre " We dont report ontime payments, only when you fall behind '' This is abuse and harrasement at its finest! 

I want this removed immediatley and I want action take against them. If they are going to report, then they need to report good and bad, and they have not! I want thsi removed immediatley!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We have two old business credit cards which were transferred from a different bank into XXXX XXXX XXXX. We no longer bank with Key Bank. 

We have called and written Key Bank merchant services on a number of occasions to notify them that we wish to close the old credit card account. 

They told us that we need to notify them in writing ; we did. Then, they told us that due to increased measures against identity theft, we need to call them to close the accounts ; we did. Now, in their most recent letter, they told us that we need to visit our local branch or contact a different phone number in order to close the accounts. 

On XX/XX/XXXX, we called merchant services, and we were told that the accounts are closed, and yet, we continue to receive bills. 

This is a scam. They are trying to keep this credit card open to collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Penn Credit Corporation
State: OH
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:
On XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from PENN CREDIT CORPORATION and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, On XX/XX/XXXX I spoke with a Penn Credit Rep XXXX XXXX ( Agent I.D XXXX ) and verbally requested a debt validation letter with my signature to be sent to the address on file. XXXX stated 6 times that wasn't a option that Penn Credit Corp can not offer me. Since Penn Credit failure to respond to my verbal and written request to validate this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract-any and all accounts you posted on a credit report. I believe this is a direct violation of my consumer rights and I'm requesting this collection to be deleted from XXXX and XXXX credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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:
I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened date : XXXX XXXX account type : collection original balance : 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 non-monetary relief
Consumer complaint received 2020-03-10
Company: CITIZENS FINANCIAL GROUP, 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: Information belongs to someone else

Complaint:
I checked my credit score and I saw a hard inquiry from Citizens bank. I have never had any interaction with this company. I want to ensure that my identity has not been compromised. A similar thing happened with XXXX  XXXX XXXX. I attempted to open a business bank account and an account was already opened using my social security number with a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I discovered XXXX unknown medical collections on my credit report XX/XX/2015. I promptly filed a dispute with Equifax and received a response dated XX/XX/2015 that they had " verified '' both accounts. I then sent out a letter to XXXX XXXX XXXX via certified mail on XX/XX/2015 and it was received on XX/XX/2015, requesting validation regarding both accounts. I have not received a valid response. I sent a follow up dispute to Equifax on XX/XX/2015 and received a letter dated XX/XX/2015, stating that they had again " Verified '' both accounts. Equifax 's refusal to properly investigate is a violation of the FCRA and FACTA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling regarding an unverified debt with a credit card company. I told them I would be happy to get a letter and not to call. They keep calling XXXX. They need to stop.

Company response to consumer: Closed with explanation