BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Citibank failed to appropriately investigate my dispute. I submitted a certified letter on XXXX and Citibank did not report the negative item as disputed to XXXX, XXXX nor XXXX. Which again proves Citibank did not investigate my dispute or cares about my concern. I am including your response letter which states that a dispute note was added to the " XXXX XXXX account each time '' which is a not truthful. You have not provided any documentation that shows you investigated my dispute. I am providing proof of your failure to follow the law by properly reporting my dispute with the submissions of my XXXX, XXXX and XXXX credit reports to the CFPB.

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 2017-02-16
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX. In XXXX, Oklahoma I have never see this address and never loved at that address. Why is this on my credit report is somebody using my name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX open balance XXXX XXXX XXXX  XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX  reported XX/XX/XXXX XXXX reported balance XXXX XXXX  reported XXXX XXXX XXXX XXXX  reported balance XXXX reported XX/XX/XXXX XXXX XXXX reported balance 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 2021-01-07
Company: EQUIFAX, INC.
State: IL
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 XXXX should not be reporting to Equifax ; XXXX and XXXX that I was ( 30-60 ) days late in 2020 on the XXXX XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XX/XX/XXXX for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XX/XX/XXXX as well as the bank to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Have been receiving numerous calls from this number as a " final attempt to collect a debt '' before going to court. I finally spoke to one of the callers and they told me what the debt was from - a company I 've never heard of or done business with - and as soon as I mentioned wanting to have my attorney follow up with them they back stepped and said they could take care of it internally and close the file. I insisted that I was happy to have someone look in to it and they insisted I would n't need to worry about it. They called me today again after about a week and the voicemail message is the same as it was before, final attempt to collect a debt. I called back and got their alleged legal department 's voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone used my Identity to open a line with XXXX XXXX, I fought the dispute thru my Life Lock account and they contacted XXXX and after much research XXXX determined It is not my account and I had no charges. XXXX sent me an email with conf # XXXX saying they will send it to all XXXX credit companies. I am still disputing this with equifax and I do n't know if its also on XXXX. Equinox says its still showing and it wo n't go away in 2 years? they should remove it because its hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Investigation took more than 30 days

Complaint:
Submitted dispute letters to XXXX, Equifax XXXX XXXX for XXXX XXXX XXXX XXXX I did not open. Submitted XXXX round letters XX/XX/2022 and XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: IL
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 previously disputed a repossession on my credit but the results from XXXX were that the information was stated as accurate by InstaCredit Automart. Today I spoke with XXXX at InstaCredit and have documentation that I have XXXX XXXX balance and owe nothing for the repossession. InstaCredit Automart stated i need to dispute it with the credit bureaus but the credit bureaus states InstaCredit said its accurate but I have documentation from InstaCredit that proves otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I was ( XXXX ) days late in 2020 on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XXXX  for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XXXX as well as the bank to remove these lates however, I have not been successful.

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 2022-06-06
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:
Back in XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to XXXX and Experian to which they have not resolved my issues on my report. My family and I are truly distraught because I really need to obtain a home for the well being of my family.

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 2022-10-11
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday XX/XX/2022 I contacted M & T bank formerly Peoples ' United Bank since they did not move any bank statements from People 's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last years worth of statements. I received a message that the statements were ready but that was only for the month of XXXX. So now I have XXXX and XXXX of XXXX. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help. So after all the waiting I speak with the specialisXXXX and told her the situation and explained I need this info ASAP. She tells me it's in process since I made the request 2 days ago so I only have 8 more days to wait since it's 10 days for this request. I explained that is not going to work as this is my bank info and I needed it in the next day or so. She explains that it is my fault that M & T sent a message to the future customers that it was their responsibility to grab their statements from Peoples United and she could not help me. I explained that this was not reasonable and that just because- And as I was trying to explain this she hangs up. And it was a definite hang up. I will be closing my account with M & T but I need my statements that should have come over from my previous bank and sooner than 10 days. This should have already been done when switching over the systems as was done when People 's United took over United bank a few years ago when we had to go through this process then.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have send numerous letters requesting verification of the debt I have in question. They have not provide any information regarding the debt. They also change the open date of the debt to more current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CAPITAL ONE FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
I noticed on my credit report Capital One went into my credit report seeking information XXXX times for what?? I am requesting Capital One to cease and deceist there activities into my credit report, What are they looking for, I believe some fraud activity has taken place. Will ask XXXX to freeze my credit report. I would like them to answer the reasoning behind the XXXX times in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX and XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX 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 an 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 2016-10-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After complaining to both XXXX XXXX ( XXXX ) ( formerly XXXX ) about how they wrongfully booked their payments for XX/XX/XXXX and XX/XX/XXXX late and reported to Equifax. They corrected and took off my credit record, but then miraculously the next year changed the so called late payments to XX/XX/XXXX and XX/XX/XXXX. This is follow up on former correspondence and payments that were and still are falsely reported on my credit reports with all agencies. The accompanying literature documentation shows the gross mishandling of credit reporting and devious and false representation. 
Under my rights of the FCRA I demand you immediately take off all negatives regarding my reporting to credit agencies, all of them. You can readily see the gross conduct in mishandling payments and reporting by the inclusions. 
1 ) Letter to XXXX on XX/XX/XXXX 2 ) Follow up letter to that letter on XX/XX/XXXX 3 ) Credit report XX/XX/XXXX 4 ) Credit report XX/XX/XXXX 5 ) Credit report XX/XX/XXXX You can readily see that at one time XXXX reported me never late to XXXX on XX/XX/XXXX. Yet in same month XXXX to Equifax and XXXX I was late on XX/XX/XXXX and XX/XX/XXXX for 30 days. After I sent in complaint letters and many credit reports later it is indeed off for that XX/XX/XXXX and XX/XX/XXXX mentioned above, and miraculously now it indicates I was late XX/XX/XXXX and XX/XX/XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EQUIFAX fails to act in accordance with FCRA Section 609. EQUIFAX fails to provide " the source of this information. '' Equifax fails to provide copies of the documentation used to verify this tax lien. EQUIFAX continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I previously disputed two accounts on my credit report. XXXX XXXX sent me a letter that both accounts were being removed from my credit report. One account continues to report on my Transunion report. I've contact XXXX XXXX who stated someone will be contacting me but to no avail.

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 2016-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have requested verification from both XXXX and TransUnion to provide me with a copy of the original documentation ( a consumer contract with my signature on it ) they are required to have on file to verify that an account that is appearing on my credit report is mine and is correct. Not companies have responded with letter stating that they have electronically verified the account - but I know that an Electronic verification is not an acceptable legal means of verifying any account. 

I have now sent XXXX letters asking XXXX companies to provide me with a copy of the original documentation, noting that if they can not provide me with this documentation, then the account must be deleted. Yet after more than 8 months I have yet to receive adequate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and FIX : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00}

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 2016-11-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I transferred a balance to this XXXX card in XXXX of 2016. Once it was there I transferred it to another institution, this allowed me to get a fixed rate of 5.99 % for the life of the balance. As soon as the balance hit the XXXX account, I transferred it to the final card account. That transfer cleared XXXX on XXXX XXXX, 2016. At that point there was a bit of interest accrued for sitting there, so I submitted a payment of the remaining balance, which cleared XXXX on the XXXX of XXXX, bringing my balance to {$0.00}. There was no way in the XXXX online system to get a payoff balance for the card, so the only amount I had was the current amount due to bring it to {$0.00}, which I paid. I subsequently closed the account with XXXX and had {$0.00} balances on anything remaining at XXXX. I received electronic statements as well. Apparently XXXX charged me interest in XXXX, since my accounts were at {$0.00} and I had electronic statements, I actually did n't realize I had been charged this incorrectly on my account. I did receive a physical statement in XXXX, after the amount was 30 days past due. I called XXXX at that time and they refused to remove the amount that was due on the account. During my dispute process the account went to 60 days past due. XXXX is reporting this to the credit agencies as well. On XXXX XXXX XXXX finally credited my account of the incorrect charge and brought it to a zero balance. I filed a dispute with XXXX in XXXX to have the credit reporting fixed, which was denied by XXXX. They beleive they are reporting it correctly, which they are not, and XXXX refunding the amount should make this clear that it was through no fault of my own. The total charge was around {$4.00}, which is disputed. I asked XXXX to fix my credit report, they did not. I escalated it, and XXXX still refused to fix my credit report, or unreport the disputed amount with the credit agencies. This is my last resort, as this error by XXXX has cost my FICO score about XXXX points over the last 3 months. Please advise on how I can get XXXX to correct this issue. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am writing you to bring attention to the Forgiveness Loan Program through XXXX XXXX are not working. In XX/XX/XXXX, I took out a student loan for {$5000.00} to attend XXXX XXXX XXXX XXXX ( XXXX ) to work myself off of XXXX and provide a future for my children. I worked a number of jobs before my career started at XXXX XXXX XXXX in XXXX. 

Firstly, I have been paying on this student loan since XX/XX/XXXX. On XXXX XXXX, XXXX, I filled out and submitted the Forgiveness Loan Applications. I received a letter for my last job that I worked at that time, but not for my 14 years of service from XXXX XXXX. I telephone them about my XXXX XXXX XXXX application and they stated that they had not received that one, so I re-faxed it. I received another letter regarding that my XXXX employment was approved, but I misplaced it and never heard anything from XXXX again. In XXXX, XXXX, my husband and I filed bankruptcy. Of course, Mohela ( who I have been paying my student loan through for the last 2 - 3 year ), even though they knew I had applied for the Forgiveness Loan program ; put my student loan in the bankruptcy anyway. I have filed complaints with the XXXX and the Consumer Financial Protection Bureau. 

Secondly, today, I received a response from the XXXX that XXXX XXXX XXXX, of Borrower Experience Advocates XXXX XXXX | XXXX, stated that I need to continue to work with XXXX. XXXX is refusing to help me. He is telling me that my bankruptcy attorney needs to get it out of bankruptcy, but knows that his agency approved me for the forgiveness loan. 

Finally, on XXXX XXXX, XXXX, I sent an email to my State Representative XXXX, whose office has not done anything. I should not still be paying on a {$5000.00} dollar loan from XX/XX/XXXX - XX/XX/XXXX, this should have been paid office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
After calling Equifax on XX/XX/XXXX, I was told that a negative item ( charge-off ) with XXXX which has a balance XXXX ( PAID OFF ) was going to be deleted from my credit report in XX/XX/XXXX following the 7 years-rule for charge-offs deletion since my first day of delinquency was XX/XX/XXXX. Today, after speaking with Equifax again, I was told over the phone that this negative item will no longer be erased from my credit report in XX/XX/XXXX. Apparently, they reset the clock to XX/XX/XXXX because this negative was reported as paid off in XX/XX/XXXX. Moreover, the Equifax representative misled me into believing that the first day of delinquency was the starting date for the 7 years-rules for deletion of negative items. Everything was set for this item to be deleted but suddenly Equifax comes up with new rules. I, hereby, would like to please ask the Consumer Financial Protection Bureau to investigate my case requesting XXXX to honor their agreement with me.

Company response to consumer: Closed with non-monetary relief