BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: RI
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:
Back in XXXX of XXXX disputed several accounts that are listed on my credit report. They were not able to verify nor validate the debt per the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. Verification and Validations of debt are under penalty of perjury and copies of statements of account are not suffice. Also, I required the agency to supply me with a copy of the SSA 89 form which gives authorization to disclose any information involving my social security number. In accordance with the FCRA the accounts below have violated my rights : XXXX UNIVERSITY EMPLOYEES account ending in XXXX XXXX  COLLECTIONS account ending in XXXX XXXX XXXX XXXX account ending in XXXX inquiries by XXXX- CARD SERVICE AND XXXX  CREDIT BUREAU 15 U.S.C . 1681 section 602 A. States I have the right to privacy 1581 U.S.C. 1681 Section 604A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have 2 open cases with XXXX Fraud Department that is not being handled professionally by XXXX. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX. 

1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX Case # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to XXXX who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual. 

2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX Loan however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ . The XXXX XXXX XXXXd that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with. 

Please urgently contact XXXX and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by XXXX. Please note I am a victim of identity theft and XXXX is providing no assistance or evidence why they reject the claim. 

My last conversation was with XXXX XXXX XXXX XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX  Banking Dept Complaint # XXXX -- -- -- -- -- - XXXX Your Confirmation Reference 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 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 hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with XXXX. I spoke to XXXX after all loans were paid, and was told my loan would be reported as, closed, and paid. XXXX still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with XXXX but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with XXXX. I spoke to XXXX after all loans were paid, and was told my loan would be reported as, closed, and paid. XXXX still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with XXXX but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.

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 2020-12-31
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
So Wisconsin uses epic card as a means of child support deposits in XXXX there was a fraudulent charge and I had did a lost or stolen card so no more money would be taken out. 
By doing this calling back to try to dispute the charges it would not allow me to do so until a new card arrived which took 2 weeks. 
When I received the new card I immediately called to dispute the charges and to try to retain my money back I was transferred several times each time being an hour on the phone so far to this point I've spent over seven and a half hours trying to receive my child support money back. 
I was sent paperwork to fill out and the representative said if I fax it that I should get a reply within 5 days. I faxed the paperwork via XXXX I paid {$5.00} to do so I got a confirmation that it was sent on XX/XX/XXXX. 
The company is website policy states that if a decision is not made within 10 days that you will get your provisional credit back as they still continue the investigation. 
Yesterday I spent 2 hours on the phone and was told that no one has actually looked at my paperwork and although their website States after 10 days I would get my provisional credit back they refuse to give me my money back. 
Their website also lists their policy as if fraudulent charges look to be happening they would call you I explained to them this is partly their fault for not doing their job as there were charges multiple very suspicious being through one second at a time all were denied and I was charged point of sale denial fees for each time this was done. 
I have never in my life had such a hard time trying to regain fraudulent charges especially on a card that is for child support this year alone they've charged me over {$60.00} in fees for charges some of them I don't even know of it's not the first time my card has been hacked I never got my money back for that and I was once again charged multiple point of sale fees. 
This company is beyond despicable and I don't know how they are able to get away with taking money not following their policies and having me spend seven and a half hours on the phone trying to receive my money back. 
Many times they hung up on me and all I want is for them to follow through with their policies listed under their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY XXXX XXXX ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Synovus Bank
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: Account status incorrect

Complaint:
This is a PREPAID card that is supposed to help build your credit. I applied and paid for expedited processing. I then sent the XXXX dollar deposit required. The application was never processed and they eventually sent me my deposit back via a check but they have reported and continue to report my account as derogatory. There is no customer service number to call them to get information or talk to them about it. They need to get it off my credit reports I have disputed several times with lout success to try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, 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:
The debt charge off on my credit report from this company is inaccurate, not reporting across all 3 bureaus, and does not belong to me. I am completely misinformed about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the company to remove the old account off my report I have a new agreement and XXXX tthisold agreement off of my report so I can apply for things I need

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I will attempt to make this short and sweet. I am downsizing and I notice that my Comps are approximately XXXX mil to XXXX mil in XXXX, MD for my current home. The comps are no where near the estimated XXXX mil cost of my home brought in 2008 despite excellent and upgraded condition. I know when I mortgaged my home, I was compared to several homes of equal value or more, i.e. ( comps ). However, upon reviewing the original Comp appraiser documents this week, I was told by several realtors currently I cant use the water front properties as comps although that was the case that my bank, Suntrust, used to qualify me for a XXXXmil loan in 2008. The homes in XXXX have not decreased by 25 %, so why has my home done so. I found out I was overcharged using False Comps ( waterfront ). Im trying to sell my home to downsize, moving with my job. I cant do it without coming up with MORE money. Unfairly, fraudulently treated.

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 2022-03-21
Company: EdFinancial Services
State: MI
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:
I am the original creditor and natural person. I did not give this company written consent to furnish my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One Auto Financing is currently reporting a balance of {$11000.00} on a car that was repossessed years ago. The account was charged off. Therefore, the balance should be {$0.00} not {$11000.00}. 

The incorrect balance is negatively affecting my credit score as it shows a false balance of {$11000.00} in addition to the charge off and repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX I received verification from Equifax that an account had been verified by XXXX ( see attached screen shot from Equifax ). I am including a letter from XXXX that proves NO verification came from them. This account was NEVER VERIFIED OR INVESTIGATED IN ANY WAY. EQUIFAX LIED AND FRAUDULENTLY STATED THIS ACCOUNG WAS VERIFIED WHEN IT WAS NOT. 

This is just one example of the ongoing lies from Equifax. This account is unverified and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Avant Credit Corporation
State: IL
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:
Filed a 609 letter with the 3 credit reporting bureaus regarding the validation of an account with Avant. Avant failed to validate an account that is negatively reporting on my credit report. Avant is inaccurately reporting late payments on my report. The company stopped reporting since XX/XX/XXXX, suddenly on XX/XX/XXXX they back dated account with late payments to XX/XX/XXXX, thus dropping my score 35 points ... Avant is in violation of the fair credit reporting act 15 U.S.C.ss1681 regarding ACCURATE credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In the fall of last year, Bank of America made me a " preferred '' member and started to charge me {$25.00} per month for checking. I did not agree to this fee. They just up and did it. I have two mortgages with the bank, two checking accounts and a savings account. I've been with the bank for over 15 years and have never been charged these fees. I was told I had to maintain a minimum balance in these accounts. Looks like they decided to change the rules in the middle of the game. 

Smacks of what XXXX XXXX did. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2021-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had money in a cd account because it was being used as a deposit for the XXXX  XXXX XXXX credit card. Bank of america closed my account without telling me. I was informed that I was suppose to get a refund of {$110.00} which is the annual fee and the rest of the balance on my card. 
I also have money in a cd that is ending in XXXX. I have gone to bank of america twice and they refuse to releasee my funds. On XX/XX/2020 I went to bank of america and spoke with XXXX XXXX. He opened a case to have the funds released by XX/XX/XXXX. I then get a letter stating that Bank of america stating they are unable to process my request to release the funds for account ending in XXXX as the funds are currently on hold. I then went again to the branch on XX/XX/XXXX and spoke with XXXX XXXX who did the exact same thing as XXXX. To date I still have not released my funds. This is pretty egrigious because anytime they department that is holding my money is closed. So its like when am I going to get my money because the department is never open. Its been months since the account has been closed and bank of america is holding my funds, which is not acceptable

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 monetary relief
Consumer complaint received 2022-04-15
Company: Fidelity National Information Services, Inc. (FNIS)
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 to the fair credit reporting act XXXX XXXX XXXX has violated my rights

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 2021-03-12
Company: Synovus Bank
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was scammed by the XXXX into an ARM loan for my home ( XXXX was sued and went out of business ). Since then I tried to refinance into a fixed loan through several banks that all had terms I did n't want ( like money out options ). Later I found out that the main XXXX credit reporting companies ( Experian, XXXX and XXXX ) were lowering my score each time I applied for a loan and reported delinquencies that do not exist ). I want them investigated and prosecuted. XXXX refinance company ( XXXX ) even went through with the loan application after I told them I was going to sell the home. I then received a rejection by their bank ( XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX who is a subsidiary company for XXXX XXXX XXXX have caused me mental pain due to them lying about being law enforcement through robo calls and sending packages disguised as gifts. They have called my family and threatened them. They never tried to accept my payments for what I can afford or return my numerous letters sent pro-bono from an attorney for me. They keep saying they are the police and will arrest me for the unpaid debt from a Capital One Bank credit card I am still working with capital one one.. They also had someone come by my house!!!!

Company response to consumer: Closed with explanation