BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: NY
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 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked XXXX XXXX XXXX to validate the debt for accurate and verifiable information. Also, I asked for proof and accuracy to no avail. The information is not accurate. I asked for original copies. This is an ongoing issue. I want to persue arbitration! According to the FCRA all information must be verifiable, accurate and complete. They are required by law to verify the accuracy of the debt according to FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 creditor, XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed using XXXX XXXX  while trying to sell a couch. The couch was listed for {$1000.00} USD. The scammer messaged me on XXXX and said they were very interested in the couch and wanted to XXXX me for it as soon as possible. I sent the scammer my information in order to XXXX me and they sent me a fake screen shot showing she was zelling the money to me. While I was waiting for the {$1000.00} XXXX to reflect in my bank account I was then sent fake e-mails from the scammer posing as XXXX explaining that in order to receive the money I had to create a XXXX business account considering the funds were {$1000.00} and in order to do that I had to ask the last sender to send me {$800.00} and then I had to send the {$800.00} back and I would then get a lump sum of {$1800.00} USD deposited to my bank account once that was confirmed. I then realized I was getting scammed because I never received the {$1800.00} USD into my checking account. I immediately reached out to TD bank because my XXXX is through TD bank and explained the situation and they investigated it and then 10 business days later told me I could not be reimbursed because I authorized the transaction to the scammer. I lost {$800.00} of my own hard worked money because of a XXXX marketplace scam that allegedly happens often to people who use this application and still XXXX marketplace does not have any warnings on their website to warn users of the potential for scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Arena Investors, LP
State: AA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with a representative who claims her name is XXXX XXXX XXXX XXXX Now and that they purchased my auto loan. She threatened me with repossession and initially asked me to send in {$3300.00} so that they would allow me to continue paying monthly payments for my XXXX XXXXXXXX XXXX. She said the alternative would be for me to agree to pay {$2800.00} a month via an automatic draft. I told her that was too much to ask. She put me on hold then came back and said they would take {$500.00} payments if I start payment that day. I paid the {$500.00} and asked if I would receive a receipt and loan verification documents. 

I did not receive any documents, but the automatic drafts continue. I called XXXX more times and requested to see the original contract with signatures, my biographical information matched to the loan ( i.e. SSN, DOB ), my address at the time of purchase, balance statement, payment history, pay-off amount, promise to pay agreement, and receipts for the payments already paid. XXXX XXXX and XXXX XXXX, the last representative I spoke with, told me that they did not have any of that information. They would have to contact a liaison and did not know when I would be provided a balance statement or any other loan documents, that they might " pick my car up before then ''. 

I requested the address for the home office and was provided the following contact information : By mail : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NJ XXXX By phone : XXXX ref account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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: Personal information incorrect

Complaint:
I've been having to file complaints with the XXXX XXXX XXXX for quite a while now could not figure out why my Equifax report was so messed up. I've never been able to sign in when I filed a complaint or want to contact them about status of investigations. They always say that my personal information is wrong well after all these years yesterday I found out that Not only was my birthday wrong they had me living at places I didn't live and I have numerous hard inquiries that dont have anything to do with my requesting authorising or renting anything. Equifax keeps telling me their information is correct and then I need to contact the credit companies that I disagree with. I keep being told to contact equifax. For example XXXX XXXX says when they ran my social security number they have no accounts for me and no inquiries but yet Equifax says I have them. They've been no help. But back to That I found out yesterday I have multiple files that are causing the hard inquiries and weird informations they requested I fax them my driver 's license, social security card, and other identifying information however I don't trust them anymore so I'm using your agency in hopes that they will not use my information improperly. They're misinformation has caused me not to be able to get a decent place to live now I'm living in a neighborhood that is very dangerous and drug-infested, isolated from family and people Ive known all my life because this is the only place I could get with their bad marks. Every time I filed a complaint they want to say that I'm wrong and I will re complain about it and keep complaining and eventually I've gotten some things removed overtime with many headaches and suffered the effects of there low rating of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 sent company A Cease and Desist letter with a a Conditional Acceptance. please see attached documents for Affidavit of Oath. Company is now in Default of Notice. Company has violated the Fair Debt Collect Practices Act My right to privacy has been Breached. inaccurate information has been reported to a third party without my written consent. 

ATTCHED DOCUMENTS HAVE BEEN SENT CERTIFIED USPS as well.

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 2022-06-08
Company: EQUIFAX, INC.
State: CT
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:
UPDATE TO CLAIM # XXXX EQUIFAX is in Federal violations in many counts and is liable for damages and remedy under 15 USC 1681n and 15 USC 1681o and i DEMAND remedy and legal proceeding. EQUIFAX has caused me tremendous harm in the form of XXXX, anger, anxiety, lack of sleep and focus, lack of motivation in daily routines and severe stress. EQUIFAX is not taking me the consumer, FCRA and the CFPB serious in this matter and I demand remedy.as I requested in my invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has as violated my rights : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 than seven years.

15 U.S.C. 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 the information is an accurate.

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 2022-07-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now imXX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian Information Solutions is reporting inaccurate information on my consumer credit report and I have requested EVIDENCE AND VALIDATION of documents of the alleged debts. 

Reinvestigation is required as EXPERIAN INFORMATION XXXX did not provide documents under 15 U.S Code 1681 ( i ). 

If EXPERIAN INFORMATION SOLUTIONS continues to report inaccurate information on my consumer credit report that is not proven and VERIFICATION OF THE DOCUMENTS OF THE ALLEGED DEBTS can not be provided, as a written notice of the requested evidence. 

EXPERIAN INFORMATION SOLUTIONS, must under 15 U.S Code 1681 ( i ) 5 ( A ), promptly delete the item/s from the consumer, XXXX XXXX credit reporting 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 2022-09-24
Company: U.S. BANCORP
State: GA
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:
XX/XX/2019, Elan Financial reported to XXXX and XXXX credit bureaus that my credit card account was 30 days late. By reporting to the bureaus, Elan Financial violated my consumer rights and is refusing to honor the fact that they did so and delete said account. 

USC 1681a Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Meaning Elan Financial and I should have been the only person ( s ) to know that the account was 30 days late, but the illegally reported that info to 2 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
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: MD
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:
This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
XXXX accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-09-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed a complaint as of XX/XX/2022. The company wrote back and indicated that my payments that they did research on had the wrong numbers attached to the payment. However, when I enter in my payment account numbers in properly, a " 0 '' is removed each time. As a result, I get charged a reversal fee, a late fee, and nothing is done about it. My next course of action will be through an attorney as this has been going on for over 6 months with no solution to it. I would like my reversal and late fees deleted, my account number getting entered in correctly, and a solution to this inside of 15 days. 

I have included a screenshot as of XX/XX/XXXX of my autodraft record with my correct routing and account numbers. When you save the number, for some reason, Citizens deletes one of the zeroes in the phrase. I have brought this up to a Citizens customer service rep every month, and they pass it on to a manager that doesn't get this fixed. Additionally, they won't remove my late fees because their system has a glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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: Account information incorrect

Complaint:
I opened the account with XXXX Bank in XXXX, and the account was closed in XXXX. I am asking for this account to be deleted, because it has been seven years.

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I opened the account with XXXX Bank in XXXX, and the account was closed in XXXX. I am asking for this account to be deleted, because it has been seven years.

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 2023-12-04
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Applied for home mortgage more than 40 days in advance of closing. Loan number changed about 2 weeks prior to closing and we were told the loan number could not be transferred to the new appraisal, which was the las item needed for an agreed-upon closing date. This system issue delayed our closing date, which is a huge inconvenience to all parties.

Company response to consumer: Closed with explanation