BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-28
Company: CAC Financial Corp
State: OK
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 previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
U.S. Bank Deal - XX/XX/XXXX My credit was pulled without my permission XXXX XXXX - XX/XX/XXXX My credit was pulled without my permission XXXX XXXX XX/XX/XXXX My credit was pulled without my permission XXXX XXXX, TX XX/XX/XXXX My credit was pulled without my permission XXXX XXXX XX/XX/XXXX Duplicate inquiry XXXX XXXX XX/XX/XXXX Duplicate Inquiry

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 2022-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On 2 occasions and most recently in XX/XX/XXXX I have disputed a public record entry of a XXXX  XXXX that does not belong to me with Experian. They are unable to provide me with any contact phone number or address. In XXXX they provided me with a phone number and it was not a valid phone number.

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 2017-09-08
Company: EQUIFAX, INC.
State: AL
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:
I saw an Equifax customer breach online reported by the news. The company provided a website that said it would tell me if my information had been compromised or not. After multiple attempts to get a clear message on if mine or my husband 's personal information that Equifax is supposed to be protecting and providing to creditors, employers, etc., but got no clear message either positively or negatively. I was just giving dates on when I 'm supposed to sign up for some type of extra Equifax service. And told I would not be communicated about this again. Equifax is NOT handling consumer notification of stolen personal information even after having more than a month to prepare from time of finding out about the data breach and telling consumers who is affected. I still can not tell if my data or my husband 's data was stolen or not. How can Equifax get away with not giving a straight answer after having more than a month to research the breach to communicate to clients better? I would like for Equifax to have to proactively communicate immediately to people whose data has been compromised. I have screen shots of pages for myself and husband that do not say if our data was compromised, but just a date to come and sign up for some extra Equifax product. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
My credit score with Equifax, drastically decreased ( over 100 points ) due to erroneous information on my credit report put on by equifax. Equifax has put the two following lines in my credit report that are negatively effecting my score ( below ). 
-You have too many delinquent or derogatory accounts -The total of your delinquent or derogatory account balances is too high I do not have any delinquent or derogatory accounts. I do not have any late payments either. I have disputed theses items twice with Equifax starting in XX/XX/2022. Each time they agree that I do not have any delinquent accounts promise to fix it in 30 days, but do not fix them or my credit report. 

I have attached the negative items written on my credit report from my login on the myequifax.com website, where I pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021 we filed an refinancing application with Citizens Bank that was approved. We were told that the loan would close in three months but as of now we have not completed the process. Thy have miscalculated the numbers of in the closing disclosures several times, this includes the payments, the interest and closing costs. They have also told us other requirements that was not true and they've withdrawn. I need someone to please take a look at the documents they have sent us and let us know if they are adhering to consumer and banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please delete XXXX XXXX XXXX XXXX which reported as late on my credit report..It is obvious that the account is unverified, and inaccurate. The account is having false information and should be removed asap

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 2018-05-22
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Yeah, I just got a XXXX 's Prepaid XXXX in the mail without requesting it and not being accepted by a company, that I'm aware of. The letter included that it was provided by the XXXX XXXX XXXX XXXX, but that sounds made up. Why do I have this card and how do I get rid of it?

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 2022-02-14
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:
I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. I have also found accounts listed on my credit file with no furnisher account name or information that have not been updated with accurate information or removed. 

XXXX XXXX XXXX Account NoXXXX Duplicated on three times on XXXX XXXX XXXX XXXX Account NoXXXX Duplicated on two times on Equifax Two accounts with no furnisher account information listed on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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 belongs to someone else

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I received a copy of my Transunion credit report today XXXX XX/XX/XXXX ) and found 7 inquiries listed that I don't recognize. I spoke to the customer service representatives and asked that these be removed from my credit report. The customer service representative refused to remove them from my report and suggested I go to the Transunion web site for their policy. The representative refused my request and would not help in taking care of my request. I am writing to you to help me this matter as I will like I may be a victim of some type of credit fraud. 

List of inquiries : On 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

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 my written instructions 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 for any purpose

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 2020-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an XXXX  XXXX credit card through Bank Of America. I called for a pay off amount as I had a small balance ( ~ {$400.00} ). I paid that off the balance on XX/XX/XXXX and I was subsequently shown to have a {$0.00} credit balance on my account. The following month they withdrew {$300.00} from my bank account even though there was a negative balance. I called on XX/XX/XXXX once I found this out and they told me that I had to wait 3-5 days for the deposit to clear before they could process a refund. In the past week, they have charged me an additional {$1.00} ( minimum interest charge ) on a negative balance. This is just ridiculous. I called today and they will begin processing a refund ( less the {$1.00} ) which they still need to process. Bank of America steals my money for weeks and charges me for the privilege, all while charging 21 % interest when you use their card. 
B of A is the WORST!

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 2017-09-08
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX, 2017, I began receiving multiple calls, daily, to my cell phone, from a company called DIVERSIFIED CONSULTANTS INC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, claiming that I owe {$260.00} to them and demanding immediate payment over the phone. I told them I did not owe this for multiple reasons. I then wrote to them and demanded verification of the debt, for them to validate it, to show me how they arrived at the amount, when and what this was for, and the agreement I signed. They did not. We have not had XXXX XXXX here for at least eight years now, maybe longer. It did not work as advertised, it was a service failure, and we canceled and returned the equipment many years ago and the issue was resolved directly with XXXX XXXX. It was installed poorly, did not work properly, and we returned everything and canceled shortly after the install. We have not heard a word about this for many years. Suddenly, the harassing calls began, relentlessly. and I had to block the number to my cell phone from their multiple lines. Today, they have attacked my perfect credit reports at all three agencies. It has caused my credit score to drop significantly. They are claiming we opened this account in XXXX of 2017 in a fraudulent attempt to re-age what would be an expired debt if it were valid, which it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: OneMain Finance Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an account with One Main Financial several years ago, One main merged with other companies transferred their account several times. One Main, opened serveral accounts in my name but failed to transfer auto draft after serveral disrupts One main  close all account except one but refuse to remove all the late and deliquent reports on my credit. My current open account number # XXXX, I have contact One Main several times and no one was able to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Equifax multiple times between XX/XX/XXXX through XX/XX/XXXX regarding account information not being update accurately and timely. Equifax ALWAYS say they did n't get any updates from my creditor, however my creditors XXXX XXXX and XXXX XXXX  verified that they have sent over updates. On XX/XX/XXXX all 3 credit bureaus were notified to update and delete a collection item from XXXX XXXX XXXX {$1200.00}. After many calls and disputes it took Equifax untilXX/XX/XXXX to remove the collection. There was an issues regarding me being an unauthorized used on a credit card that was reporting to my credit. The creditor XXXX XXXX with a balance of {$630.00} sent over a request to remove the account from my report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I even filed a dispute on XX/XX/XXXX regarding it and it took Equifax until XX/XX/XXXX to update the report. Now I am dealing with issues from Equifax on updating my XXXX XXXX XXXX account that was sent an update onXX/XX/XXXXfor {$370.00} and Equifax said they never got the request from my creditor, however I spoke with the creditor XXXX XXXX and they send the request to update on XX/XX/XXXX. XXXX XXXX Credit Card also sent over a request to update on XX/XX/XXXXfor my Credit Card with a new balance of {$140.00} and Equifax is stating they do n't have it. XXXX XXXX reported an additional update on XX/XX/XXXX from their last update XX/XX/XXXX due to their error, however Equifax is refusing to update stating 1. It would have to wait until my normal update of XX/XX/XXXX and 2. They did get the request from XXXX XXXX Also after having the original two items deleted from my credit report ( XXXX XXXX and XXXX XXXX XXXX Equifax decrease my credit score although my overall utilization balance decreased as did my total collection balances. Equifax is the only Credit bureau that does n't update my credit information in a timely manner. In addition they alway use the excuse they did n't get the information. I do n't have these issues with XXXX or XXXX. They get the same reported information from Creditors ( XXXX XXXX, XXXX XXXX, And previous creditor XXXX XXXX ) as does Equifax. Equifax is difficult and most often blames all their issues regarding updating credit reports on their system or the creditors. Equifax does n't update the accounts in a timely manner cause consumers like myself to suffer. After 2 full months my credit score has n't moved although I 've have many significant changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax recently had a data breach. They have a site set up to allow you to check if your data is breached and optionally enroll in credit monitoring : https : //www.equifaxsecurity2017.com/enroll/ when I put my information in, rather than validating if I had a data breach it immediately enrolled me in a credit monitoring service I do not wish to take part in, and presumably exempted me from a class action that I do not want to be exempted from.
You should not be forced to enroll to determine if your data was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: FL
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:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: OR
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 got a credit card for {$300.00} and they put my credit in the XXXX points for a {$300.00} credit card that just does not seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Media Collections, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX to have a door put in my basement. XXXX XXXX and I had discussed some issues that we were having with the completion of the project. I have been in communication via email with the manager XXXX and explained to him that I was dissatisfied with the service he responded through email stating that he will contact me back. Since XXXX of last year I have been calling and calling and he had not answered the phone. Finally, in XXXX I gave up calling. XXXX I received a debt collection. I contacted the debt collector and let them know that I want it to dispute the total charge because I didnt get call back from the store manager. The debt collection manager put in a request to speak to XXXX XXXX XXXX manager but no one has responded back it has been well over 30 to 45 days and I have emails from the debt collector stating that XXXX XXXX has been non-responsive to them as well. 
I do not feel this is fair to me as a consumer when I have been trying to resolve this since XXXX of last year. I have Phone records and emails from both XXXX XXXX and the collection agency and no one is able to tell me anything. The collection agency is telling me that the results of my dispute will remain open indefinitely until XXXX XXXX  decides to respond to my complaint. my dispute was filed XX/XX/2022 with Joseph, Mann, Creed. If necessary please let me know because I have phone records I am able to show you from XXXX showing I have been calling the store as well trying to get in contact with the manager.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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: Personal information incorrect

Complaint:
Experian just sent me a new credit report and they took off a negative report that should have been removed in 2014. This I was thankful for as it has cost me thousands of dollars in punitive damage.
To my disbelief they added a new negative credit account for original creditor XXXX XXXX Hospital which is the ultimate inconsiderate incompetence. I have never been a patient at XXXX XXXX Hospital or utilized any services from XXXX XXXX Hospital or received any type of bill from XXXX XXXX Hospital.
I believe this may be a relative but if they had had the decency to check the birthdate they would see this is and never was my bill. How dare they be so careless with my credit history ... ..enough damage has already been done.

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 2022-02-17
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
There are multiple Hard Inquiries on my XXXX credit report I did not give permission to pull my credit report.

Company response to consumer: Closed with non-monetary relief