BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
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: Their investigation did not fix an error on your report

Complaint:
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.

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 2016-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America says that they offer their customers a {$0.00} liability on unauthorized charges, but they hold me responsible for unauthorized charges and are in the process of wrecking my credit by reporting me as delinquent on fraudulent charges.

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
Consumer complaint received 2017-04-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Recently, I requested a copy of my  XXXX  Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file, as  XXXX  the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is ov er five years old and should not be reporting  on my file at all.     The report shows a conviction for Failure to  Appear  from  XXXX   XXXX ,  2010 . The corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract f rom the Secretary of State. Ple ase find that the aforementioned conviction is not reported my driving abstract as the conviction was vacated.     Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the last five years I responded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.

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 2016-02-09
Company: CITIBANK, N.A.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
This is a paid account with XXXX balance. The last date of activity was XXXX 2007. This account should have been removed from my credit report after seven years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Credit Wise Recovery Solution LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been trying remove this credit account from my credit score because it had been affecting my credit score by a lot and I called capital one but they cant help me and say they dont see the account under my name. I have no idea whos account that is and why I am the authorized user. This has caused my credit score to drop my 90 points in two months.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXXi within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CITIBANK, N.A.
State: MS
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My wife and I made purchases on a Best Buy Credit Card account. In XXXX charges were added monthly based on our carried balance for " XXXX XXXX XXXX XXXX. '' We did not knowingly purchase this service, and the total amount charge was approximately {$1500.00} over the period from XXXX XXXX, XXXX through XXXX XXXX, XXXX. We asked for a refund of these charges when we became aware of them in XXXX, but Best Buy Credit Card refused to refund these charges. We believe these charges are not proper, since we did not purchase the service knowingly. We did not realize that the charges were there until my mother-in-law reviewed the credit card statements with us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXXXXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CL Holdings LLC
State: ND
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 been told my ex husband opened a XXXX phone account without my knowledge using my information after we were divorced. I said no knowledge of the account that he purchased online and used my information. have a {$3500.00} bill with a collection agency who I have told numerous times that that is him and not me. I was actually in the hospital most of XXXX so when charges were being made I was not even around. They have now put a derogatory open collection on my credit report and Im trying to get them to take it off they are extremely rude and mean and will not listen to the fact that I have told them my husband is a felon and ran hes wanted I have no idea where he is so I am unable to locate him. I need this off my report so I can get my new house through the USDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Bankruptcy lawyer said they didnt do a reaffirmation process on my mortgage which has never been late and its current. 
Lender is XXXX. 
My vehicle financed with XXXX XXXX XXXX  also isnt reported and I just paid it off.

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 2016-12-09
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Received notice of account closure on XX/XX/2016 from XXXX due to inactivity. Called to inquire and was informed that if new application was submitted and approved the XXXX reward points lost would be reinstated. Card was approved however points were not reinstated. Contacted XXXX at Citibank 's XXXX offices ( direct line XXXX ) who confirmed recorded conversation promising reinstatement of reward points for credit card application. Was informed that decision was made not to reinstate. 
Consider this an unethical sales practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday XX/XX/2021 i deposited 2 checks totaling {$1800.00} into Bank of America from my checking account at XXXX XXXX, both accounts are local branches. 
The money as been taken out of my XXXX account, but BOA is holding my money until Friday which amounts to 5 business day. 
This is not money being deposited from an out of State bank this is local, for the bank to have access to my money for that amount of time is windfall for the bank. 
There are Billions of dollars being transacted on a daily bases which adds up to hundreds of millions of dollars that the banks get free interest on and if I as a consumer write a check on my deposit before the 5 days the check bounces and the bank gets overdraft fees as well as the interest of holding my money for 5 business day.. 
I went into the branch to ask why they were holding my money for 5 business day they couldn't answer me and stated that the branch did not have the authority to override it, I call BOA XXXX number to no avail.. 
This should not be permitted and something should be done about this banking practice!!!.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MA
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:
This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ] XXXX XXXX. # XXXX  which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ] This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 



Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 



Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 



Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have reason to believe and the Bank of America manager near me can prove that someone within BOA is stealing from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2021 a payment was sent out for a car payment, First National Bank claimed to not get it. I sen out a double payment for XXXX and XXXX at that time. This was about the last week of XXXX. Then they claimed to have not received that check. So I then took my payment to a branch myself. Literally 3 days later magically a check that was lost for almost a month plus the double payment check were cashed. Luckily I was smart enough to stop the bigger check because otherwise they would have had 5 months worth of car payments. Even at that time I got a letter for stopping payment on the check stating my account would be passed due. None of this was anything I caused, yet they reported I was 30 days passed due and also tried telling me J owed for the next month when they decided on their own to just put the extra money they got onto the balance as extra. I don't think my credit should suffer for something an employee at First National Bank did. They need to keep better track of their checks when receiving them in the mail. 
You can see by my report my payments aren't late normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My issue with XXXX began on XX/XX/XXXX, the day I disconnected my service, please see attached return receipt.They then turn it over to XXXX XXXX see letter dated XX/XX/XXXX for the amount of XXXX, I then sent XXXX XXXX a certified letter disputing the amount owed, please find attached letter dated XX/XX/XXXX.Please see reply from XXXX XXXX dated XX/XX/XXXX, and XX/XX/XXXX that they are no longer going to pursue collection efforts. Please find letter dated XX/XX/XXXX, from Diversified Consultants for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XX/XX/XXXX.which they never responded, the debt was never verified.I then disputed this debt with XXXX, please find attached letter sent by certified letter dated XX/XX/XXXX,  outlining the reasons that this debt was never verfield.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Billing statement

Complaint:
City Bank/XXXX Visa will not provide me with a monthly statement and will not resolve the issue and is refusing to dialog with me to resolve the issue. For six months now I have not been able to access my credit card statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: NJ
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:
There's a mortgage delinquency noted on my Experian credit report. I've contacted the company, XXXX, and their investigation has revealed that they did not report to Experian that my mortgage, which was in forbearance, as being delinquent. I've opened a dispute with Experian and was told that it's going to take 30 days to correct. I do not have 30 days. I am in contract to purchase another property and if I don't receive a mortgage commitment within the next 7 days, the contract will become null and void. I've asked Experian to expedite this matter and was told by the rep that they have no control over expediting disputes as it's all done by computer which is a wholly inadequate response. I also opened a chat session on Experian.com and was told via chat that I was correct that XXXX  did not report me as being delinquent. This seems to be an Experian error and I need it corrected 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