BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: IA
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 financed a vehicle through XXXX XXXX XXXX in XXXX. I was on autopay for the entire 5 year loan. I have credit monitoring and noticed I had a 30 day late so I called the company. They explained that contractually I agreed to make the final payment not using autopay and that is why the last payment was not taken out. I asked them why they didnt send me a notice or give me a call as a reminder as I have paid on time the entire contract. The rep did not have an answer for this question. I asked him if he would remove the delinquency based on my situation and he agreed to do that and I made the final payment. 

This was back in XXXX or XXXX of XXXX and I checked a couple months later and it still was showing on my credit report. I called XXXX XXXX  and talked with a rep who said that the 30 day delinquency was valid b/c I contractually agreed to it. I went through the same story I did with the prior rep and she said that a request to remove the delinquency was never submitted and that I would need to do this through the formal dispute process. 

This is extremely frustrating given I paid a five year loan on time, through auto pay and had a XXXX  representative confirm he would remove the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX year ; XXXX year ; XXXX year. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2019-12-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2019 there was a charge for {$430.00} from XXXX XXXX XXXX XXXX TX on card XXXX. I filed a billing dispute for the incorrect amount of XXXX, which I later notified citibank should have been for {$400.00} at which time I provided the final billing statement from XXXX reflecting the correct charge should have only been {$23.00} on card ending in XXXX. Citi continued the to dispute the charge seeking a refund of {$380.00} despite being updated of the correct disputed amount was {$400.00}. XXXX responded providing documentation showing a refund. The only refund listed under the merchant response was issued XX/XX/2019for {$100.00} to the card ending in XXXX. Furthermore no documentation was provided by the merchant as indicated in their response comments. This leaves a remaining disputed amount of {$300.00} unaccounted for. 

For charges datedXX/XX/19 onward the merchant was provided card number XXXX. 
In the merchants response a second refund of {$230.00} on XX/XX/2019 is mentioned. However, they fail to provide an explanation or supporting documents for this credit issued to a different card number. 
Despite different card numbers being utilized and documentation provided CitiBank continues insisting the {$230.00} credit issued to card number XXXX is related to the disputed charge of {$430.00} on card number XXXX in error. I have made multiple attempts to inform CitiBank of this continual error to no avail. I am asked to resubmit all the documents, the case will be reopened and I will receive a response in 5-7 business days which I never do. On XX/XX/XXXX after spending over hours in total with CitiBank to recitify this error I was hung up on, yelled at, given false and misleading information and finally told if I want this corrected I will need to take legal action against CitiBank by Disputes XXXX XXXX. CitBank has failed to provide a response or explanation for their actions when the inconsistencies are pointed out and documents provided are contrary to their statements.

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 2017-10-26
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with TD Bank in the state of Maine. My loan term was getting ready to expire and my statements reflected that I still owed another {$7300.00} +/- after the term was ended. I have been trying to get answers for the last two years as to what I need to do to fix this issue. I have even sent in financial paperwork for loan extension with other questions and was only told that the loan could not be modified and at the end of the term it would go to collections. I was trying to be proactive, to see what I could do to work this out with the bank, but would wait on hold to even reach someone for over 30-45 minutes and they would tell me I needed to speak with someone else. This would again place me hold for a long time with the same results. Just recently I sent an email to their online general box and have had no return response and it has been a few days. So still no answers and the term is now ending XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt Collector National Credit Systems ( NCS ) claimed that I owed an Apartment Complex in XXXX TN rent without providing any supporting documents. XXXX also reported to the XXXX Credit Agencies about this faulty debt collection account, which caused major damage to my credit score. I called XXXX and told them that I never lived in that apartment because I have been living in CA. I sent out a debt validation letter to XXXX on XX/XX/2022 asking for supporting docs and how the debt is tied to me. XX/XX/2022 I received response via mail from XXXX. The supporting docs they have is a copy of lease agreement. I read through the lease agreement and did not find any ID or SSN that was pointed to me. The tenant used my name and initials. The signature was e-signature instead of handwriting signature. This is not sufficient to claim that I owe the debt. XXXX should have done a thorough investigation before they claim debt and report to my credit account to ruin my credit score. 

To summarize, without sufficient evidence, this company tries to collect debt and ruin people 's credit. Based on some e-signature, they turn me an innocent people into a victim and a debt owner. This is ridiculous. Anyone could use someone else 's name and forge the e-signature to get a lease. Is it enough to collect debt from people who use the same name? No. 

I have reported ID theft to the police office ( case card attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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: Their investigation did not fix an error on your report

Complaint:
I have a old auto loan through XXXX XXXX XXXX. the amount showing was {$160.00} unpaid and on my report as charged off, the amount is incorrect and I have had many issues with this bank, but in the end to get this removed I paid in full. I disputed the loan on all 3 credit reports and were removed by 2. Equifax had updated the account to first delinquency of XX/XX/XXXX and I had asked to remove it as its been past 7 years. the account stayed on my report and then later updated again to XX/XX/XXXX delinquency date. I had disputed this a second time and the results were loan removed off my report as of XX/XX/XXXX ... this account again was put back on my report and showing XX/XX/XXXX delinquency so I wrote certified mail my dispute and the result was " this account isn't reporting on your report ''. today I see on my credit report its on there with the same information XX/XX/XXXX delinquency and I called and they say the same thing over and over and ask if I want to disputed the account ( I have already done so 3 times ) im angry and this is being handled terribly and is effecting my ability to obtain credit im beyond frustrated and exhausted I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I signed up a new Citi XXXX XXXX credit card on XXXX/XXXX/2016 with the promotional offer of XXXX XXXX points after spending {$2000.00} within 3 months. I spent {$2000.00} on the card in the first statement period and have not received the XXXX points after XXXX statement periods passed. Other banks post the bonus points at the month completing the spendings. I have waited for more than three months. My Citi XXXX XXXX credit card application ID is XXXX, and my Citi XXXX XXXX credit card 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 2022-05-13
Company: EQUIFAX, INC.
State: SC
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:
My personal information has been stolen and used to open several accounts and services in my name without my permission or knowledge. I have allowed the collection companies a timely amount of time and the issue as not been resolved, and i would like for these accounts to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My personal information has been stolen and used to open several accounts and services in my name without my permission or knowledge. I have allowed the collection companies a timely amount of time and the issue as not been resolved, and i would like for these accounts to be removed 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 explanation
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Are reporting to credit Bureaus When I have numerous times in writing disputed their right to collect and or report to the credit bureaus negative credit info on me. 
I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt. 
All they provide is statements from original creditor, but refuse to show proof of documents any purchase contracts or assignments proving they have the legal right to collect & provide negative info to credit bureaus .As well as what they purchased the alleged debt for, not the balance on original creditor statements

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Letter from Capital One on XX/XX/2023 stating a credit card application needs to have some information verified/corrected. I did not apply for a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am victim of identity thief and this company have been ignoring my request of investigation, i have been sent everything need it including a policy report, i been totally ignore by this company. please help me as some accounts that are not mine is been report to my credit report. 

see attached, letters been sent and yet ignore proof of my identity and policy 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
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act - Equifax has violated my rights in regards to the following items they are reporting on my credit report.

1. XXXX XXXX XXXX XXXX  Account # : XXXX These are the laws passed by the US Congress that Equifax is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" MY PRIVACY HAS CLEARLY BEEN VIOLATED BY REPORTING REPORTING AND FURNISHING MY PRIVATE INFORMATION. THIS IS A CLEAR VIOLATION OF 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 section 604 A Section 2. It states a consumer reporting agency can not furnish an account without written instructions from a consumer. 
" I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS TO FURNISH ANY INFORMATION ABOUT ME '' THIS IS A CLEAR VIOLATION OF THE LAW 15 U.S.C 1681 Section 604a Section 2.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing
any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

NO ADVERSE INFORMATION OTHER THAN A CRIME CAN BE REPORTED BY XXXX. THIS IS A VIOLATION OF THE LAW 15 U.S.C 1681c. ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A sates i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2021-04-20
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to file a formal complaint against IQ. Data International Inc, for unfair practices in attempt to collect allege debt which was disputed as fraudulent not belonging to me. 

On or around XX/XX/2021, I received a notification from my credit monitoring services IQ Data International placed a major derogatory collection item in the amount of {$570.00}, on my Equifax credit report, which I immediately denied as fraudulent not belonging to me. ( see attachment ) Please note IQ Data International violated the FCRA & FDCPA refused to send written correspondence to consumers home address, denied consumers right to dispute said debt prior to reporting to credit bureaus.

I immediately reached out to IQ Data International requested validation of said debt, not a standard letter with amount which consumer have every legal right for detailed information regarding collection activities. ( see attached letter ) To date IQ Data International is refusing to validate said debt as outlined in my letter dated XX/XX/2021, and refused to remove the derogatory collection item from my credit reports in direct violation of FRCA & FDCPA. 

Therefore, I am requesting your office to investigate this unfair practice and if found in violation enact or enforce laws to protect consumers from this abusive practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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