BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed bankruptcy in XX/XX/2014. It was discharged in XX/XX/XXXX of that year. However, the Transunion report is showing XXXX accounts that have not been updated since I filed in XX/XX/2014. Those accounts refuse to update the information on the Transunion report to show that the account was discharged in Bankruptcy. XXXX wrote a response stating they did not have to correct it because their files indicate it is discharged despite the credit report showing otherwise. XXXX has updated all accounts to show they were discharged in bankruptcy. Also, these accounts on Transunion still list the highest balance, which is well above my credit limit, date of last payment, and also list them as derogatory while the other agency has updated correctly. It should be noted I had issues with XXXX updating either credit report. I asked them to do what the law states and they told me they do n't have to because I am not " understanding '' the law correctly. All I want is the information corrected to reflect what is accurate. As stated before, they have not updated since I filed for bankruptcy. Thank you.

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 2021-10-01
Company: EQUIFAX, 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:
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is ] XX/XX/2020. The bureau reporting is Equifax. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I previously filed the following claim : Case number : XXXX. At the conclusion of the claim, I received the attached letter from XXXX. The letter states my payment terms are for 24 months. The repayment plan began in XXXX of 2015. 
On XXXX XXXX, 2015, I received the attached letter from Great Lakes. The Great lakes letter has my monthly payment increasing, after just a few months of payments, over 240 %. With the next payment being due XXXX XXXX, 2015. 
If I call Great Lakes I am told to call XXXX. If I call XXXX I am told to call Great Lakes. 
I just received a job offer and I have to borrow money to relocate. Plus, missing a payment could damage my credit enough to cause me to lose the job offer. 

What is happening is not right. Please investigate for me. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a bankruptcy on my credit report ( XXXX ). The only credit reporting agency that would not agree to fix my issue was equifax. The bankruptcy was never discharged. My discharge was withheld for failure to submit certification of instructional course for personal financial management. The case is reporting in accurately. I have spoken to many people over the last 3 months including supervisors. I have also been transferred to the office of consumer affairs and spoke to the supervisor their also and still received the same issue. I spoke to the bankruptcy court and they verify what is being reported and say that my bankruptcy was not discharged. I have submitted over XXXX documents to prove my information is reporting inaccurately and im still dealing with issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
USBANK charges me XXXX dollar " minimum Interest Charge Fee '' after I pay off entire balance 3 days late, the balance of XXXX includes a XXXX dollar late fee. After the payment posts and the balance is supposed to go to zero the credit card is charged a XXXX dollar minimum Interest Charge Fee. This is according to the bank pennies whos interest was magnified into hundreds. Higher than the credit card 's interest rate. This higher than normal rate must receive the payment first and left over balance must be left on the card to be paid back according to the law. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased the prepaid maintenance package along with my brand new car. I was told it would include all types of maintenance including brake pads, timing belt etc by the finance manager XXXX. He declined to provide a pamphlet detailing the package when I requested it. Since I had been waiting for over 3 hours at the dealership, I fell for his sales tactic and bought it ~ {$1900.00}. I went home the same night and researched the package and found out XXXX misrepresented the package to make a sale, it only includes oil change & tire rotation. Anyway I went back to the dealership on XX/XX/2021 and canceled the purchase and requested a refund. I was told by XXXX the purchase amount ~ {$1900.00} would be removed from My loan principal but its been 2 months and its accruing interests and they still wont remove it from my loan. Contacted both Hyundai finance ( 4 emails, calls directly to Hyundai finance ) and the dealership ( over 5 emails and in person visit ) and no one would help. Please help me to get my refund and interests accrued removed from my loan

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 2021-10-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is Experian. Thank you!

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 2015-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have advised the company that I 've never applied for a payday loan online. I barely no how to work the internet. Pursuant to the Fair Debt Collection Practices Act, XXXX : XXXX XXXX Sec XXXX ( b ) that your claim that I owe you money is disputed, and validation is requested.Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: GA
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/XXXX ; XXXX XXXX XXXX reported to Equifax a debt from XXXX XXXX of {$1600.00}. 
I disputed with Equifax XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. Equifax only listened to the XXXX XXXX XXXX and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with XXXX XXXX of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXXXXXX 
This debt is still posted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Spring Oaks Capital, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was alert on my credit report that I own XXXX to credit card that I never had I phone Spring spring oak .they said I own XXXX credit card that took place in XXXX and I was report in XXXX to them I asked them to send me statements with my signature to my address next they start emailing me instead of submitting the statement all the email said was I own them and no statements or my address they claim that they are going garnishment my check but I have not gone to court and I m not aware of this .plus why wasn't I contacted back in XXXX why now .I have no money I only have money for my rent .I am not giving these ppl nothing this the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: IL
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 XXXX Account # 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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Account # 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 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 2021-10-01
Company: Continental Finance Company, LLC
State: FL
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 called and spoke to XXXX  customer representative on XX/XX/2021 and informed them that I havent received any statements and that the balance is incorrect because I havent made any purchases on this card in the last five months. I told them I need them to send out all the statements so that I can dispute these charges because they were fraudulent. The representative stated that I couldnt do that until they send out a new card I repeatedly told the representative not to send another card I wanted the account closed as of XXXX XXXX when I placed the call. They did not close the card the added XXXX fee to the card left the account open and opened a new card account took my auto payment off which caused a missed payment and they reported on my credit file. Which is totally wrong I never told them to stop my auto payment this has drastically affected my credit profile negative! They continued to report that the card was opened and over the limit because they added a annual fee of XXXX to an account that I asked to have closed immediately! 
The behavior and response from XXXX is horrible! 
My account has always been on automatic payments never ever a missed payment until they changed my card to that new card which I told them NOT TO DO!!! 
They have not given me any statements other than XXXX they gave me a claim department number and no one ever answers or responds to calls they gave me this name and number XXXX claim number XXXX however she never calls back about the claim this has ruin my credit during an pandemic when I need it the most .... unacceptable

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 2021-10-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank seems to not care at all about complaints registered at CFPB. 

This is a request to careful, carefully, the previous complaint number XXXX. 
Your careless review lead you to reply about a previous XXXX XXXX, while the complaint was in regards to the most recent XXXX XXXX ( XXXX ). 

It is so unfortunate that now even when requesting help from a government agency, Citi also provides poor customer service. 

Maybe one day all these records lead to a big fine. Then maybe Citi will look into improving their services.

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 2015-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My TransUnion ( TU ) credit report has the incorrect information as to my " Account Age '' which factors into my credit rating and is why my TU credit score is significantly less than XXXX. TU is reporting the Length of Credit History as only being 13 years and 0 months, Average Account Age of 5 years and 11 months and the Oldest Account being with the XXXX XX/XX/XXXX. The correct information which is being reported by the other XXXX above mentioned credit agencies should be as follows : Length of credit history - 21 years, 10 monthsAverage Account Age - 7 years and 11 monthsOldest Account - XXXX XXXX open XX/XX/XXXXEssentially TU deleted my oldest account ( XXXX ) which has now changed all of the calculations for my " account age ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CITIBANK, N.A.
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:
Sears credit card reported I was in delinquency years ago. Ive never been delinquent in any bill in my life. The company doesnt have brick and mortar stores anymore but is still harming my credit score. It is absolutely incorrect information they are 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 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After receiving my credit report, I am not happy to see the below items they are in violation 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 non-monetary relief
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: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After receiving my credit report, I am not happy to see the below items they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: D&A Services, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 XXXX from D & A LLC called my cell phone looking for XXXX XXXX which is my XXXXyear old daughter. When I asked what this is regarding, XXXX was insistent on speaking with my minor daughter. When I asked what her company specializes in, she refused to answer my question and repeated with I can only discuss this with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My business severed its relationship with Bank of America in early 2016. At the time, we had a {$0.00} balance on all of our accounts. In XXXX of 2016, Bank of America sent us a collection notice for merchant services. 

We informed Bank of America at that time that the debt was invalid and that we do not have any open accounts with the bank. 

Bank of America provided no response to that letter, but today I received a collection notice for merchant services. 

I have enclosed our correspondence with Bank of America for your reference.

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