BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I paid a bill, and the amount was specifically entered as {$1100.00}. When it showed up on my credit card statement the amount was {$1100.00}. This bank makes so many errors it's unbelievable. I've had ongoing issues with fraud and overbilling and now this. I can't get them to do their job.

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 2022-08-17
Company: BANK OF THE WEST
State: AZ
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:
There is an entry into my experian credit report from Bank of the West showing a charge off and a balance owed of XXXX which is completely wrong. When I called the bank they agreed that I had paid this account in full and owe them nothing which I have a confirmed letter stating the same however I have not been able to get corrected on the XXXX credit report and it is lowering my credit score. This has been going on for XXXX months now and it is still not fixed.

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 2016-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax , after completing investigation # XXXX and reinvestigation # XXXX continues to permit their client, XXXX to report incomplete, inaccurate and misleading information. On my partial account # XXXX, Equifax allows XXXX to engage in " re-aging '' of account, a practice expressly forbidden by the FCRA.THE CREDITOR SHOWS A DOFD OF XX/XX/XXXX FALSELY. THE CREDITOR ALSO SHOWS A 120 DATE LATE ON XX/XX/XXXX THE ACCOUNT WAS NEVER BROUGHT CURRENT IN BETWEEN THOSE DATES. 
THEREFOR, ACCORDING TO XXXX 's FALSE REPORTED RECORD THE ACCOUNT WOULD HAVE BEEN 30 DAYS LATE ON XX/XX/XXXX AND THAT WOULD BE DOFD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been receiving numerous phone calls on my cell phone that shows up on my CID with the name XXXX CA and a phone number of XXXX, which XXXX is my local area code. When I called back the recording said ZFN & Associates. On XX/XX/XXXX I was contacted by ZFN & Associates at my place of employment. A lady named XXXX XXXX stated that I owed a loan for {$4400.00} and it was deposited into my bank ( she knew my bank name ) on XX/XX/XXXX. She wanted my birth date. I told her I do not give out any personal information over the phone and if the debt is true she would have my birth date and I do not nor have I ever took a loan for {$4400.00}. I then told her NOT to call my place of employment. I called my bank and talked to the fraud department and they went through all of XX/XX/XXXX deposits and there was never a deposits for the amount the lady stated. Only deposits received were from my employer. On XX/XX/XXXX I received XXXX more on my cell phone from XXXX CA and also at my place of employment. On XX/XX/XXXX I received XXXX phone calls on my cell from XXXX CA and XXXX at my place of employment. When I called back I told the lady I do not know of this debt and because I have not received a validation of debt that this debt is not valid. Also reminded her to NOT call my place of employment again. Which I 'm sure they will from the search I have done on them. From what I have read this place is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: I.C. System, 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:
I C Systems inc is attempting to collect a debt that was fraudulently opened a year ago. The account in question was closed and removed from all 3 credit reporting agency 's. The creditor was made aware of the fraud and was provided with a FTC affidavit.

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 2022-05-04
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
have reached out to the original creditor XXXX XXXX XXXX XXXX ) for the medical bill.i was on a payment plan and paid it all the way down to less than $ XXXX was impacted financially by covid 19 as well as contracting it.this acct went into collections.i reached out trying to get assistance with this acct and received no reply.this Is showing on my credit report negatively and it was due to beyond my control.i would like this removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed several requests with Equifax to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Equifax which is reporting incorrect information in my credit file and have requested and sent documentation over XXXX times via mail. I have also attempted to dispute online several times and each time I attempted to upload the supporting documents or call into customer service I would receive stall tactics with no intent from Equifax to resolve this duplicating issue. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to the lien of XXXX deleted from my credit report which IRS has sent formal documentation and also provided me with a print out of the Withdrawal of {$31000.00} included in the total of the original Release of XXXX, XXXX. The {$31000.00} is a duplicate of the total which has been withdrawn and reported to the filing Court by IRS and other obsolete information they are reporting which has been over XXXX years still on my file. They have extended their statutory limits which is an attempt to keep people bound and oppressed which is discriminatory and predatory. The other XXXX Credit Bureaus received the same information and have deleted the XXXX from my file. Why is this an attempt of Equifax Information Services to discriminate against XXXX minorities who are trying to move forward in life. Please help me to resolve my credit reporting issues with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights several times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy. 

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: TN
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:
N accordance with the Fair Credit Reporting act XXXX XXXX Co # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the rights 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have made numerous request for Central Financial Control XXXX Syndicated XXXX XXXX surrounding XXXX to XXXX accounts the creditor has placed on my creditor reports prior to notifying me of the alleged debt as well as refusing to disclose verification of debt. The latest communication was sent certified on XXXX/XXXX/2015 and the creditor has refused to respond as well as provide any disclosure of verification of debt details along with supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Sears Citibank credit card charging on my credit card that I have had since XXXX XXXX %. My Citibank XXXX  is charging 7.24 %. I have emailed Citibank Sears and advice I have been a customer for 34 years, any my XXXX score is XXXX. Citibank Sears responds back on XX/XX/XXXX, we are unable to lower the APR because you already have the lowest interest rate available for this account at this time. 

I want my APR lowered to match Citibank XXXX and other credit cards.

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 2017-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  accounts that had been deleted of my report due to identity theft keep coming back up  XXXX  finance and  XXXX   XXXX  bank. Also my payment history with   XXXX    was corrected all delinquent payments were removed and now show back up. I will show picture proof they where deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: 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 under 15 USC. 

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 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 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, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
ADDITIONAL INFO Genesis Credit Management Calling me every time asking me if I have received a tax return, asking me to tell my son to go and get loan from the bank and Suggesting the bank too, everyday keep calling and stressing me up. All the time he keep asking for my tax refund all the time and asking me to send my tax return to pay for the debts, am tired of this person calling me all the time everyday and also give me the personal cell phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: SKO Brenner American, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Two people one saying they were calling from " XXXX XXXX XXXX '' and another from " SKO Brenner '' repeatedly call my minor child to collect a debt she does n't owe. To make matters worse they call her at school during her final exams in violation of the FDCPA. They 've also called myself, her mom, who also does not have any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted information to Equifax at which they failed to respond to my investigation request. I filed a civil lawsuit against them because under the FCRA they are required to respond to my request within 30 days. They never responded to my request. On XXXX/XXXX/2015 I was awarded a judgment against Equifax in the amount of XXXX. XXXX for the fine and XXXX for court cost. I have been unsuccessful with getting a resolution from the company on the phone. I spoke to someone on Tuesday XXXX/XXXX/2015 and they advised that they would call me back in 24hrs. As of today, I have not been called back. I find it unfair that Equifax add negative information on one 's credit report once they receive it, but when someone disputes the information, they fail to respond. I also find it unprofessional of them not to adhere to a judgment. I have uploaded all the documentation that showing my request for investigation on my credit report along with certified mail and documentation that was provided from the court and a copy of the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a derogatory mark in my credit report from national credit adjusters. I paid the debt owed to them abs that mark is still on my credit report and is still being reported. I called them to have it removed and they says they dont do that. So Im seeking higher actions to have this matter if possible. The debt was paid off in XXXX and they are still reporting to my account they last time they reported was on XX/XX/XXXX and I dont understand why when it was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXX  Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX Account # : XXXX XX/XX/XXXX late payment was reported XXXXXXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a dispute on XXXX XXXX. On XXXX XXXX I sent a follow up letter asking Equifax to remove the accounts in question that I disputed due to non-compliance which is mandated by the FCRA. On XXXX XXXX I received a letter from Equifax saying the accounts have been updated ( which is still inaccurate ). On XXXX XXXX I sent another letter asking them to please comply with the mandate set forth by the FCRA. Today I have yet to hear back from them. 

I have detailed records of all my letters along with certified postage and return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In my previous complaint Equifax states " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX XXXX and/or XXXX XXXX XXXX are not reporting on the Equifax credit file. Written confirmation has been mailed to you. " This is not true as of XXXX/XXXX/2016 as the item still is being reported on my equifax credit file per the attached screenshot of my Equifax credit report. 

Their original statements do not match their action.

Company response to consumer: Closed with explanation