BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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 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 XXXX has me at a score around XXXX. 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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-06-21
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I live in XXXX XXXX. On XX/XX/XXXX. I had about {$5300.00} in my The Bank of the West checking account. But I found {$2900.00} missing from my account on XX/XX/XXXX. So I went to my bank ask them, they said there was a check being cash. And they print that copy of the check for me, I recognize it was an old check for my XXXX XXXX 8 months ago, and he cashed it in XX/XX/XXXX already. Now he changed the date and amount of my check and cashed it again with his phone app. And surprisingly, my bank cashed it second time to him. I lost {$2900.00} due to fraud. I had contacted my bank immediately, they filed a fraud report, and they told me I should report it to police, which I did. ( Police report numberXXXX. ) Now I need my money back .The bank said it will take a long time. Please 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 2022-06-21
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a title loan from this company and paid off the loan on XX/XX/2022. To date, Rapid Auto Loans, have not released my title even though they sent me a letter showing that the loan is paid in full. According to their loan agreement and according to the Florida Statute, this company has 30 days to report the payoff to the DMV and release the title. In fact, the loan agreement, states that they release the title within 10 days from the payoff. I've been given a complete runaround as to when the title will be released. In fact, they informed me that they do not have a timeframe as to when they will release the title. I contacted the DMV supervisor who also called this company and she was told the same thing " we don't have a timeframe when will release the title. '' She also informed me that she was told that this company admitted that they are holding several titles that need to be released. This is absurd. I decided to sell my vehicle and I've lost 3 sales due to the fact that I can not obtain a title due to the company has not submitted any information to the DMV.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my equifax report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is XXXX XXXX XXXX and Exquifax, XXXX and XXXX are the reporting agencies. 
XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief
Consumer complaint received 2022-07-27
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 my attorney 's office submitted complaint number XXXX on my behalf with a concern about missing payments. My lender responded by stating they will not answer to a third party and gave no indication of where my payments went. I am now filing on my own behalf to get an answer. My lender is not being transparent and I believe is not following Fair Debt Collection Practices, The Truth in Lending Act or the Coronavirus Aid, Recovery and Economic Stability act. I am asking the CFPB to locate my payments and help me get credit for payments made. Also, in their response they gave a phone number to get more information. I called and spoke to XXXX who refused to give any identification and told me to send another email to XXXX. I have already sent an email and received an automated message that I was not in their email list and could not send the email Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX  removed 3 accounts from my credit report, I would also like for transunion to do the same since the accounts were proven not to be mine. XXXX  did an investigation and the result came back with a removal of the accounts.

The three accounts are : XXXX/XXXX  INCLUDED IN CHAPTER XXXX BANKRUPTCY. 

XXXX XXXX XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY XXXX/XXXX  INCLUDED IN CHAPTER XXXX BANKRUPTCY All three of these accounts were removed by XXXX  from my credit report. Please investigate and remove 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 2023-11-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX someone withdrew {$9500.00} from my checking account account at the teller window. I called Citi Bank to close & lock my accounts. I went into that same branch where the transaction occurred & asked how did this happen. The person did not have my ID so they did not identify themselves & the teller did not do their job to prevent loses. Called the Incident reporting unit to see how we can get this resolved. Its been months, Company is blaming me the customer for not safeguarding my account because the debit card pin is the way of identification so therefore as long as someone knows youre debit card pin they can withdraw without any consequences.Ive followed all the instructions & request from Citi bank & still have not received anything back just denial of my claims. This is unfair & their policies do not make them right. Never have I had this issue with any other bank

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 2022-08-19
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:
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 XXXX 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 XXXXThis 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: LDF Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
One of National Small Loans ' representatives, XXXX XXXX, contacted my workplace by phone call on XX/XX/2022 at approximately XXXX XXXX XXXX, and identified the debt collector as National Small Loan. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. 

I have already sent a Revocation of Authority to Contact Third Parties on XX/XX/2022 and requested that third parties related to me not be contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I fell victim to a scam via XXXX money sharing app through US Bank mobile. Within minutes of being scammed, I reported the incident to US Bank, who acknowledged that it was scam well known to their fraud department. I was told in writing that my claim was denied by US Bank, despite having reported the scam. Having banked with US Bank for nearly a decade, my banking habits should be well documented and it should have caused a red flag that I would send {$3000.00} to someone out of state using a method of operation that is known as fraudulent activity by US Bank fraud dept. US Bank shows that the transaction was authorized, however that is not true, as I was scammed.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to formally dispute an erroneous entry on my credit report which has been reported by XXXX XXXX. According to my credit report dated, there is an outstanding debt of {$920.00} associated with my name. I would like to bring to your attention that I have never had any business dealings with XXXX XXXX, and this account does not belong to me. 

This incorrect reporting has severely impacted my credit score and is a direct violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to rectify this situation in accordance with the FCRA guidelines. I hereby demand the following actions be taken within three ( 3 ) business days from the date of this letter : I request that the erroneous account be removed from my credit report promptly. Please notify all credit reporting agencies to delete this inaccurate information. 

Provide legal proof that I have entered into a business relationship with XXXX XXXX. This may include contracts, signed agreements, or any other relevant documentation substantiating the validity of this alleged debt. Failure to comply with this request within the stipulated time frame will leave me with no option but to escalate this matter. I am fully prepared to take legal action in my local small claims court to seek damages for the harm caused to my creditworthiness and any associated costs incurred due to this error. 

I have also kept a record of all correspondence related to this matter, including this letter. Please consider this letter as a formal notice under the FCRA, and provide me with written confirmation once the erroneous entry has been removed from my credit report. I kindly request that you treat this matter with the utmost urgency and provide me with a timely resolution, I have attached my police report to this letter. Please remove this account from my credit report.

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