BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error, also the below are against to the law FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We got a check XX/XX/XXXX it was deposited on XX/XX/XXXX. The money was removed from the persons account on XX/XX/XXXX we have documentation to all of this on XX/XX/XXXX the bank still has the check on hold. We have called twice. This is TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax fraud division REPORT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : Regarding account : XXXX XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather than using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

I am a victim of identity theft. I am requesting that this account be block according to the pursuant to section XXXX of the Fair Credit Reporting Act a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the request this is an ongoing issues with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is completely negligent in not removing the bankruptcy from my credit file after I sent proof that they are reporting this bankruptcy with a filing date that has a year of " XXXX '' which does NOT exist. I did send the page from my credit report showing that it is being reported like this and it was not corrected or removed. They are now in violation of the FCRA section 1681. Not only that but they are reporting XXXX XXXX as well as XXXX XXXX with the same account, which is double jeopardy as ONLY the company that actually holds the account can report the account, not both. This needs to be removed as well. Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When I recently viewed my Equifax credit report, I noticed a hard pull of my credit by XXXX XXXX on XXXX XXXX, 2016. This negatively impacted my credit score and I did not authorize this credit pull. This may have been the result of someone applying for a XXXX card with my personal information. I want this removed from my credit history. This is the contact info for XXXX XXXX indicated on my report : XXXX XXXX XXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a debt from XXXX for services not related to me. For the date of service stated on the debt, I had not been to the doctor, nor had I utilized this company 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved out of an apartment and in less than a month I had an XXXX bill on my credit for last charges. I called XXXX XXXX and paid the account off in full. They said it would take up to 90 days for it to come off my credit. It has now been 7 months and I have repeatedly called and asked them to remove the account from my credit and report it paid in full. They just keep telling me to wait another month. I now can't even talk to a person, I just get shoved into a voice-mail with no call back..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
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:
Last year I found a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Roundpoint Mortgage. I have always escrowed my mortgage since holding the mortgage. When the loan was transferred to Roundpoint, the escrow was moved over from XXXX. Roundpoint continued to reflect my mortgage as escrowed. I ended up having water damage on my house and once I filed a claim, they said i had no insurance. They had stopped paying my insurance company but continued to collect my escrow payments every month. I asked what they did with my money every month and they did n't know. All my statements reflected they were still collecting and that i had an active policy. They ended up getting a forced placed policy in place to correct the error. They later sent me disclosures after the fact and said i was responsible for paying for it for their error. They assessed over XXXX on my accounts, failed to correct the statements and now my payment has gone up XXXX every month. They also sent me documentation saying they were adding it to my princial balance on my loan. I have called on numerous times to try to resolve the issue and even filed with the XXXX who sided with me. They have failed to correct the issue after repeated attempts and no one returns my calls. They can not explain why my payments went up as they state i now have a shortage but i should n't based on always escrowing my account. What did they do with my money all this time?

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 2022-03-01
Company: Experian Information Solutions Inc.
State: NC
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:
Experian shows addresses that either is a result of fraud or belong to others on my report. Some addresses are of accounts that I am authorized to use or accounts that have been opened in my name ; the accounts do not belong to me as well as their addresses. I've requested that they be removed, but the dispute has been ignored.

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 2022-03-01
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 my " Chime '' bank account was suddenly closed without notification. My federal tax refund in the amount of {$21000.00} was sent to that account, and then the account immediately closed without any notification. I tried relentlessly to get in contact with Chime via phone and several emails with no response. To be specific the company is www.chime.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: KEYCORP
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
Using an automated form field from a website where I frequently make purchases, I inadvertently charged XXXX purchase to my Key Bank MasterCard. I did not receive any bills or payment due notices from Key Bank regarding the outstanding balance on this card. ( This did n't seem odd, as I do n't normally maintain a balance on this card, so I was n't expecting a bill. ) Key Bank began reporting my account as delinquent, but never successfully contacted me in order to resolve the issue. 

Key records claim that they sent me an email balance statement monthly, but I am not receiving these from them. Even to this day, they have made no effort to resolve the ineffectiveness of their email delivery system. 

Key records claim that the sent me XXXX ( XXXX ) document in the mail to notify me of the issue after my credit was revoked. I did not receive this document. 

The original charge that started this issue was approximately $ XXXX-XXXX. Key Bank has forced me to pay significant late fees in order to stop reporting my account as delinquent. 

I have sent two messages to the Key Bank Credit Inquiry Department explaining the circumstances and requesting that they take some responsibility for the ineffectiveness of their billing system. I have also spent over 4 hours on the telephone with customer service representatives. All of these efforts have been ineffective. Key Bank is taking no responsibility for their involvement in this issue. 

My credit score has dropped from over XXXX to under XXXX due to this issue. 

I am still unable to receive billing communications from Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There have been over 100 (! ) cases where my First Citizen 's Bank ( FCB ) debit card, for which I am the Sole Authorized User and which has Always been in my possession, has been Fraudulently used. On XX/XX/XXXX, there were 14 uses transactions/uses of my debit card, including in XXXX states where I do not live. I have initiated 7 disputes, and heard nothing from FCB. On XX/XX/XXXX, FCB placed about $ XXXX in my account, related to disputed transactions - when I went to the branch, all monies had been withdrawn. This has created EXTREME FINANCIAL HARDSHIP for me and has taken a GREAT DEAL of my time. I am also HIGHLY CONCERNED as FCB is the only entity with which I have had this problem- it goes to Cybersecurity, which, for XXXX as A BANK [ holds money ]. should be very high, and FCB 's OWN INTERNAL PROCEDURES- this is THEFT, a huge amount, which as a Financial ; Institution, FCB has- I beleive - a RESPONSIBILITY TO HAVE INTERNAL PROTECTIONS, as the debit card was NOT lost or stolen ( which I would have reported ). This to me goes to BASIC Bank Responsibilities, possibly Fiduciary Duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We went to the TCF branch in XXXX MN. XX/XX/XXXX 2015. We wanted a fixed rate mortgage, so TCF set us up. We went through all of paper work and the time..and at the very last minute they told us we did n't qualify for the fixed rate but they could set us up with a variable rate mortgage. So because TCF 's appraisers lack of timeliness and TCF 's lack of follow through with the appraiser had already posponed our closing date from XXXX XXXX, 2015 to XXXX XXXX, 2015. We took the variable rate so we could close on the property. We handed off the variable rate mortgage to XXXX. XXXX and with the same information that TCF had, and was able to secure the fixed rate mortgage that we wanted. With XXXX institutions using XXXX XXXX. We submitted XXXX letters of complaint to TCF and as of this date there has been no response to either. We did request that because of the sub standard customer service we received from TCF we did n't expect to pay any costs to them including appraisal fees. They acknowledged the request but when we requested an transfer of appraisal to XXXX. XXXX the cost to us was {$250.00}. It was the worst customer service the we have ever experienced anywhere. We really felt like TCF did a bait and switch with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX  Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

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 A complaint has been filed with the BBB. Case number is 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 2022-03-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}

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 2022-02-24
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
On XX/XX/2022, I wrote a letter disputing the inaccurate account posted on my credit file. I requested from the Creditor to show proof of contract that legally obligate me to the account that report on XXXX. It has been 30-day pass and I have yet to receive a response from Bloom/DSNB. Also, company failed to report the account to XXXX as disputed. Down below you will see the letter that I send out to the company which they failed to respond to in a timely fashion

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 2015-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Under " POTENTIALLY NEGATIVE INFORMATION - PUBLIC RECORDS '' I discovered Equifax is showing a tax lien of {$2100.00} on my account since 2014. I wrote them XXXX indicating I have no liens on my home, and when I contacted the County they confirmed no liens. Further to that I have never paid a cent on any liens, and the house was sold XXXX this year with a title search. No other credit reporting agency has this info but Equifax. Please intervene and have them remove otherwise I will sue them, which I indicated to them earlier if they did n't fix it. 

Also under " POTENTIALLY NEGATIVE INFORMATION - NEGATIVE ACCOUNTS ''. They keep showing XXXX. I owe XXXX XXXX XXXX dollars as their account was paid in full. I paid XXXX dollars to XXXX to clear the account, and they themselves cleared the error. Of the XXXX reporting agencies -- - Equifax again shows this as negative on my report. They need to have it removed. 

I am very careful with my credit report, and understand how essential a role it plays in financial transactions. I take the time to pay my obligations on time. Equifax needs to take the time to ensure they investigate properly and not maintain error 's on individual reports, especially when asked repeatedly to remove. It appears the only way to send messages loud and clear is to use attorneys to sue so these " invincible '' monsters can be reduced back to credible institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am a XXXX citizen. I paid for a room rental on XXXX but they did not give me the room or my refund.

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 2015-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have collection from XXXX XXXX on my credit report. I send XXXX XXXX a validation letter and they responded saying that they have suspended all collection activity and credit reporting on this account. I sent the letter from XXXX XXXX to Equifax ( other XXXX bureaus already deleted it ) and Equifax responded on XXXX XXXX saying they verified the account. This should have been an easy fix and I am having to spend all this extra time during work hours trying to get Equifax to follow the rules and laws. My understanding is that if I have a letter from the actual collection agency that states they can not validate the account at this time therefore they are ceasing all collection activities then according to the FCRA, FDCPA and the Texas Finance Code, the credit bureaus including Equifax must delete the account. It seems thy are ignoring my proof and simply sending an auto generated letter to me. If they would have taken the time to read the letter I sent them from XXXX XXXX they would have deleted the account. I am requesting CFPB, read the letter I received from XXXX XXXX and then request Equifax to remove this from my credit file or ask them why they have not removed an account that is clearly not verifiable as there letter to me states. Thank you soooo much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing account number XXXXXXXX with XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Trans-Fast Remittance LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Date the transaction was initiated was on XX/XX/XXXX. The transfer amount is XXXX USD. 
After the transaction was complete, I received a mail from transfast mentioning that the amount will be transferred safe, secure and quickly and estimate delivery date is XX/XX/XXXX. 

There is neither a mail communication not a phone call from transfast on my transaction. 
Request you to please take this up as critical priority as they need to mention the reason for cancellation as I sent the money to XXXX which was needed for emergency purposes. My family in XXXX had to suffer due to unavailability of funds. We all had to suffer mental tension due to this and the purpose was not served too. 

My amount has not been reversed till I called transfast team to check on my transaction status.

Company response to consumer: Closed with explanation