BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXX  Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account XXXX XXXX XXXXXXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Aldridge Pite, LLP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received two letters in the mail, one addressed to me ( name spelled incorrectly ) and one addressed to the occupants of my home address. The date executed on paper states XX/XX/XXXX. The letter is informing that my property will be sold if the amount of {$21000.00} isnt paid within 90 days. In the paperwork the notice is given by Clear Recon Corp and the deed trust dated XX/XX/XXXX, executed by XXXX XXXX, AND XXXX XXXX XXXX. This looks like an old debt that these two people never paid when they used to own the house. I purchased this home on XX/XX/XXXX. All my finances are current and up to date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: AZ
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 is still remaining account on my report which is fraudulent and resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus is required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money via zelle on XX/XX/XXXX for a service to a XXXX XXXX. The service was cancelled on XX/XX/XXXX with a promise to refund the monies to me. I sent a request via Zelle to XXXX XXXX to refund the money which was not done. I have correspondence with XXXX XXXX stating she would refund the money but have not received it. I made a dispute via Zelle because the service was not received. Zelle denied my dispute even though I have now been scammed out of my money. Zelle is making it easy for people to scam others and leave them with little to no recourse. I have also filed a complaint with the XXXX XXXX XXXX for XXXX XXXX and her company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Southwest Credit Systems, L.P.
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: Problem with personal statement of dispute

Complaint:
I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, XXXX. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.

As codified by federal law these accounts must be closed and must be r
emoved as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Castle Mortgage Corporation dba Excelerate Capital
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from Excelerate Capital to XXXX. Excelerate capital never made me aware of the transfer. Excelerate Capital said they sold the loan on XX/XX/XXXX but I was not made aware until I received XXXX XX/XX/XXXX statements, XXXX from Excelerate Capital and XXXX. Not only that, I have a statement from Excelerate Capital for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If Excelerate Capital had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from Excelerate Capital for XXXX and XXXX. I have been in daily contact with Excelerate Capital and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these XXXX companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchased a patio sofa set with insurance from Wayfair after applying for credit in XX/XX/XXXX. I returned the product in XX/XX/XXXX and received confirmation from Wayfair that all items had been returned. Wayfair credit is provided by Citibank. Wayfair did not refund the total amount of the purchase to Citibank all at once. They released amounts in four different amounts over a period of three months. During this time, Citibank was charging me interest and reporting to the credit bureaus that I was last making payments. I contacted Wayfair and Citibank in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to verify the merchandise was returned and that nothing was owed. In XX/XX/XXXX and XX/XX/XXXX, I was on the phone with Wayfair and Citibank and a representative from Wayfair informed Citibank that the merchandise was returned and there is no balance. However, to date, Citibank states {$4.00} is still owed which is now over {$170.00} in interest and late fees. In addition, I have called Citibank numerous times filing a dispute which they have denied. During this time, my credit score has dropped over 160 points and most of my credit card companies have lowered my credit limit. Please help me resolve this issue 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to Truist Bank to open an account and was denied. They said to ask the cfpb to get more information as to why it was denied, as they were unable to disclose this information.

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 2022-08-02
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I called to inform SeedFi that I couldn't make the XX/XX/XXXX payment. The agent said they'd schedule it for XX/XX/XXXX and asked for my consent to put it on XXXX for XXXX. I consented, thinking that the payment would be set for XX/XX/XXXX... but the agent put the XXXX for XX/XX/XXXX, lying to me and ruining my time & budget. 
SeedFi has acknowledged this illegal " misunderstasnding '' in their notes but won't say it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
AS A CONSUMER I, XXXX XXXX, HAVE BEEN THOROUGHLY ABUSED AND DECEIVED BY EQUIFAX THE CONSUMER REPORTING AGENCY. THEY HAVE PURSUANT TO 15 USC 1681 ( A ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
THIS FEDERAL LAW HAS BEEN SEVERELY BROKEN BY EQUIFAX AND THE FOLLOWING DOCUMENT PROOF WILL SUPPORT MY INJURIES THAT HAS SUSTAINED AMOUNTING TO XXXX AS A SETTLEMENT FOR THAT IN ADDITION TO XXXX IN VIOLATION COST OVERALL THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION THAT IS RECEIVED WILL BE USED TO FULFILL PURPOSE DUE TO THE COMPLETE AND UTTER CONTEMPT THAT THIS CRA WHO'S GRAVE RESPONSIBILITY IS TO ONLY REPORT INFORMATION THATS FACTUAL FAIR AND IMPARTIAL NEVER RETALIATORY AS WILL BE DECEIVED BELOW WITH THE EVIDENTIARY PROOF ALSO VIOLATING WILLFULLY THE FEDERAL LAW PURSUANT TO 15 USC 1692 ABUSIVE AND DECEPTIVE COLLECTION PRACTICES NOT ONLY BY THE DATA FURNISHER BUT THE REPORTING AGENCY AS WELL. JUST incurable AND DESPICABLE AND I EXPECT TO BE COMPENSATED IMMEDIATELY FOR THE DEVASTATION THAT I HAVE EXPERIENCED AND HAVE ENDURED BY FALLING VICTIM TO THEIR PREY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a house at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and I had XXXX behind on some payments Wells Fargo wasnt understanding and gave me some problems I was receiving calls all during the evening it was alot of harassment calls

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The fact that the law gives me protection as a consumer against false information being simply reported on my credit report has been disregarded by the credit bureaus. I would like to make one last request for analysis before I meet with my own legal counsel so that I may understand how to handle erroneous and unverified materials that are now being regarded as true. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaux to confirm these accounts ( A ). It is prohibited to reject these reporting accounts as unreliable information within the legally allowed time frame without providing any rationale. The following accounts are shown on my credit report as needing enquiry and adjustment because of erroneous reporting : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been applying for loans and getting turned down. I realized on my Transunion credit report it is reporting that two of my creditors as Public records when in fact it was settled and was not sent to any court.

The two records are XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  They alos show XXXX XXXX department store and XXXX XXXX under Collections. 

XXXX is reporting 3 accounts under public record which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 

XXXX is reporting 4 accounts under public records which include XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 

None of these accounts went to court and it has made me be turned down for loans and also affected my interest rate on a car. 

I want the credit bureaus to be accountable for the information. How can they publish a court record when there was no court record.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: GA
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 with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 instruction.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-24
Company: Synovus Bank
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and end consumer credit plan as for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged a minimum interest charge of {$0.00} from Citi credit bank even after making all the payments in full for the transactions before the due date.

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 2021-08-04
Company: ONLINE Information Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter in the mail from Online Information Services- a debt collection agency. There were two notices stating I owed {$620.00} for a utility bill from XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, TX and another for {$820.00} for a utility bill from XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, TX. Both utilities were from XXXX XXXX. 

I called Online Information Services to inquire because I had no clue what this was for. They said these accounts were both in my name and that the debt was owed. I have no idea what on earth this is about. I have never rented or owned property in XXXX, TX nor have I ever established any services with XXXX XXXX. The representative at Online Information Services said I would need to log onto the ftc.gov site to dispute the claims in order to have them resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: IN
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:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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