BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
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 with the Fair Credit Reporting act the account XXXX XXXX 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.

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 2017-09-12
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:
According to Equifax 's own website for checking whether or not my sensitive information ( including my SSN and other personal information ) were leaked in this latest incident, my information may be at risk of being stolen, making me EXTREMELY vulnerable to identity theft or other forms of fraud. 

This is clearly due to negligence on behalf of Equifax. Their IT/Cybersecurity was entirely inadequate for the level of sensitive information they kept on their servers. Now, 143+ million Americans are at extreme fraud risk. Accounting for the fact that approximately 22.8 % of Americans are under the age of 18, roughly 3/5 of adult Americans had their sensitive identifying information leaked. At this scale, this could be should be considered a national security incident.
Not to mention, it appears that multiple Equifax executives divested their stock holdings just before the announcement broke ( see : insider trading ).
In short : I am an American who does not feel financially safe or secure. Equifax needs the book to be thrown at them. I have contacted my state and federal representatives about this issue, and I expect that the CFPB will make every effort, in conjunction with legislators and the U.S. judiciary, that Equifax is entirely liquidated and that any other organizations that hold sensitive consumer information are held to appropriate security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.

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 2017-09-12
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on this loan which was originally {$17000.00} starting in XXXX and on XXXX XXXX I decided to pay off the balance which at the time was {$7300.00}. I paid it directly through the Navient website and it was debited from my account on XXXX/XXXX/XXXX which I still have my statement for. The very next month I started getting emails about my payment being late. The first time I called the woman told me not to worry. It took 4-6 weeks to process repayments. I continued to receive late notices. I called again and was then told I sent my check to the wrong address and they would have to refund it to me. I reminded them I paid through ACH on THEIR website not with a check and that I had my statement showing it came directly out of my account. I was told at that point they would cut me back a check. I waited about 4 weeks and was still getting late notices when I called again to find out where my check was and to try to resolve the late fees and interest they were charging me. I was told again it was my fault, that I sent a check to the wrong address and the turn around to cut me back a check would be 6-8 weeks. They waived 2 months of late fees but did not waive interest accrued and although I bumped it to three levels up they all denied I paid it through their website even though I told them I had proof on my bank account. I had to pay over {$800.00} to get my account straight which was a whole other dibacle. I did finally get my check however I now have a XXXX balance on a loan I tried to pay off 7 months ago. They are taking out way more in interest than they should and they wo n't allow me to pay the loan off. I am at a loss as to what to do. They definitely have deceitful lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The fifth third bank did fraudulent claims/ chargers on my account. They won't release my money. I called to see why I had an ATM charge on my account they said no one did it that charge we did that. I called them XX/XX/XXXX and they said no one took they money we did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
CD Matured XX/XX/2020. 

CD is now in 10 day window. 

Bank won't let me access the funds for 3-5 business days.

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 2020-11-19
Company: Radius Global Solutions LLC
State: VA
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:
XX/XX/2020 : Myself and my parents were called on XX/XX/2020 by XXXX XXXX XXXX and told that I had a debt from a credit card company, XXXX, that was now in litigation and that I had a court date. They claimed that I had over $ 2k in debt and that my court date had been set. After inquiring a lot on my part, XXXX XXXX ( my " account manager '' ), told me that if I were to hang up the phone I would lose all access to my settlement of {$750.00}. I asked to speak to someone else as I was weary of giving personal info over the phone, she sent me to a man, her senior manager, and he directed me to XXXX to enter my info. I was told that I would be sued if I didn't settle today so after a lot of badgering and threatening, I agreed to give my debit card info via the website. 
XX/XX/2020 : After calling my credit company, I found out that Radius Global held my debt. I called them and I settled my real debt for {$380.00} on XX/XX/2020. I called XXXX XXXX XXXX  back in the meantime and spoke to the exact same two people that I had gotten on XX/XX/2020. XXXX immediately passed me to her " superior '' and he told me that I was wrong and that I was to be sued. He got progressively angrier at me as I questioned him and told him that I would be reporting him to my bank and the CFPB. At this point he began talking over me, threatening me with a court date and " expediting my case to the court '', yelled at me for siting untrue laws and then immediately hung up on me. During his rant, he told me he would refund my fees ( this did not happen ). I have since cancelled the related debit card, paid off my real debt and reported them here. I am waiting on the first payment to be disputed and returned. This is a scam based out of Georgia, be aware, they had ALL of my personal info, more than enough to be legit. But their website is from 2020 and the XXXX  has no record of them. Phone 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 2022-06-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I accepted the checking account retention offer from CITI bank. The offer is to spend {$100.00} and get {$100.00} back if I keep my checking account open. However, after I completed the required activity, CITI bank refused to honor the retention offer.

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 2019-11-23
Company: Innovis
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 need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
On XXXX XXXX, XXXX I accessed my credit file with Equifax. At this time all of my current and recent accounts were missing. My credit file now consisted of old accounts that had dropped off due to age and old accounts that had been deleted. I have tried for several months to get this corrected with no success. This morning XXXX XXXX, XXXX all of the accounts re-appeared along with several other accounts that were not there before. As I write this I am on the phone with a XXXX XXXX XXXX from Equifax named XXXX and a XXXX named XXXX who just transferred me to another department trying to resolve this and get my true credit file to avail. This has truly been a nightmare, all I want is for my credit file to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: NRA Group, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX XXXX XXXX XXXX is attempting to collect a debt from XXXX XXXX in the amount of {$5100.00} that is not owed for medication my wife XXXX has taken for the last ten years. Her prescription has been supported by XXXX XXXX since the beginning and still is supported currently to date. The most we have ever paid for the prescription is {$10.00}. We switched health insurance in approximately XX/XX/XXXX and her prescription fulfilment was then switched to XXXX XXXX. There was a mistake in the paperwork handoff and XXXX XXXX mistakenly alleged we owed {$5100.00} for a prescription we did not receive. I spent hours on the phone with XXXX XXXX, XXXX and XXXXXXXX XXXX as did my wife trying to correct this mistake made by XXXX XXXX. In XX/XX/XXXX we seemed to finally have the mistake resolved and did not hear anything from XXXX XXXX again. Suddenly, XX/XX/XXXX we received a letter from the NRA Group , LLC demanding payment for {$5100.00} for the mistake by XXXX XXXX. I immediately wrote NRA Group explaining I did not owe that money and requested competent evidence that I had a legal obligation to pay this debt and also requested they cease communications, written and via telephone until they could verify I owed this debt. NRA Group responded with a computer screenshot showing {$5100.00} but no evidence I owed the debt. NRA group has now sent six letters every ten days demanding payment and is now threatening to mount a telephone harassment campaign against me. I have responded to every letter sent by NRA Group requesting evidence this debt is owed and requesting they cease communication until they provide evidence. They refuse to comply and instead are harassing me and threatening further harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Commonwealth Financial Systems dated XXXX XXXX XXXX. The letter stated that I had 30 days to dispute the validity of the debt. On XXXX XXXX, Commonwealth Financial Systems reported several accounts on my credit file. Commonwealth Financial Systems violated their terms of agreement for a 30 day response by reporting to the credit bureaus ' prematurely. The last day of response would have been XXXX. I have attached files for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XX/XX/XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.

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 2022-06-15
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MN
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:
They run my credit report to many rime and Im authorized that

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened a Golden One Checking Savings Account received confirmation and went to fund account and showed repeated technical errors which didn't allow account to be funded, or edited to my, the customers, and members, needs. Reached out repeatedly and the Bank itself seems confused as to the issue have already email, gone in person, and spoke on the phone multiple times and each department re-directs the issue to another. What's the problem?

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 2022-06-15
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:
I have sent two notarized affidavits ; one dated XX/XX/2022 and another dated XX/XX/2022, requesting verification of an unverified account my credit report per my rights under the Fair Credit and Reporting Act. As of today XX/XX/2022, I have not received any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: M&T BANK CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied to refinance my car loan with m & t bank. 
I already have a car loan with this company and figure that it would be easy to refinance with m & t. 
After applying over the phone I did not hear from them for over 2 weeks when I Had to call them to find out status of my application. 
After waiting 45 minutes and talking to 3 reps who did not what was going on, I then receive a letter stating that my application had been denied. 
The reasons stated were that my score was low ( XXXX ) when in fact my score is XXXX. 
Also to many inquiries .which make no sense because I only had my credit report pulled several months in the past Year. & I  believe that m & t discriminated and used the lowest score possible to deny my application. 
I would like to know what remedy I have to resolve this issue.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from Transunion, XXXX, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer 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 2022-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX  I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.

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 2020-04-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2020 around XXXX, I have received a call from number ( XXXX ) -XXXX.. with caller Id showing as a Potential Scam. When I answered the call the caller screamed my name. I told him that it was me. He then asked me for my date of birth. Then told me that I owe {$290.00} to a hospital in NJ. I asked him to send me the bill and told him that if I really owe them then I will pay them. He said that he is not the one to send the bills. I told him that I do not owe any hospitals as far as my knowledge goes. He said he works for Wakefield Associates law firm. And if I do not pay, he started threatening me and my family. The caller said that he will spoil my family 's history ( not sure what he meant by that ). Threatened severe action.I told him that I will complain to federal authorities. He said " go ahead and do it ''. 

After few minutes, I went on Wakefield Associates website and wrote a complaint. The next day, a person by name XXXX, claiming to be from XXXX XXXX, messaged me on my XXXX. I told him all that happened. This morning XXXX sent me another message saying : " Would you be free to discuss this on the phone? ". So far I did not reply. My wife is sick, she has severe XXXX ( hope it is not XXXX ). None of us are going outside. Calls like this are scary. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation