BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I noticed I have 2 late payments being reported by BARCLAYS BANK/GAP . I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XX/XX/ and XXXX XXXX  Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment 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 explanation
Consumer complaint received 2023-04-22
Company: Blackhawk Network Holdings Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought a prepaid credit card at XXXX owned by Blackhawk Network Email : XXXX Fax : ( XXXX ) XXXX Phone : XXXX before i even tried ot use it i had a fradulent charge for the entire {$400.00} I callled them IMMEDIATELY - they still have not given me my money back or reolved the issue I was on vacation & counted on that money to use on this trip now I am very very tight on money. This needs to be resolved today. I am out of pocket due to the fact the company was careless in thier security measures. Please help me resolve Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I received a notification from one of my credit monitoring services that there was a change. Upon review I noticed that that there was a derogatory mark from a Phoenix Financial Services in the amount of {$740.00}. 

Additional research shows this is a out of network provider charging me without my prior authorization and based on the no surprise law of XXXX  they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: NY
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 2021, I have view my credit report and found a lot of errors. Some of which were actually FCRA Violations. Every time I disputed with Equifax, they would just send me back a letter saying that everything is verified. There is no way that they could verify a FCRA Violation 623 failure to disclose Account in dispute notice or Re-aging my accounts. Ive sent letter throughout the year with no success and now I am trying to resolve this matter before escalating it to higher channels. I have enclosed copies of the original letter to EQUIFAX INFORMATION SERVICES, on XXXX XXXX via certified mail. I have also enclosed a recent credit report with the problem accounts highlighted. 

Accounts in question : XXXX of last activity has been re-aged. FCRA Violation XXXX FCRA violation 623 Failure to display Account in Dispute Date of last Activity is not accurate with the other bureaus High Credit Limit missing XXXX XXXXXXXX XXXX Date of last activity is different from the other bureaus. If all bureaus get information from the same source then how can it be different? 
Missing date of last payment. 

Please remove these inaccurate/FCRA Violation accounts from my credit report. These inaccuracies is hindering me from obtaining credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$220.00} or my account was charged off {$220.00} ] .This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2021-07-29
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I sent a validation letter to United Revenue Corp for a debt in which they reported to the credit bureaus without notifying me first. When I did not receive a response from United Revenue Corp, I disputed the account with all three credit bureaus. I later discovered that the account that was being reported by United Revenue Corp was related to an unverified medical debt. Over the course of the next 2 years, I sent 5 more letters to URC, one of which dated XX/XX/XXXX was a HIPAA violation letter. Finally, I received a response on XX/XX/XXXX in which they claim that they were providing validation of the debt. URC has missed the most important fact that my Texas Physician Resources does not have a HIPAA release consent from me which would allow my medical information, if this belonged to me, to be released to anyone. I informed URC of this and they have failed to correct their wrong. This is a violation of my HIPAA rights and I am reaching out to your organization to report this company before I proceed with legal actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: FL
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:
WHEN LOOKING AT MY XXXX CREDIT REPORTS ITS A WELLS FARGO ACCOUNT SHOWING INACCURATE INFORMATION, ACCOUNT, LAST VERIFIED, DATE REPORTED, DATE OPENED, CLOSED DATE, CREDITOR TYPE, PAYMENT STATUS, TERM LENGTH, ARE ALL INACCURATE AMONG ALL THREE CREDIT BUREAUS .THE ACCOUNT IS ATTACH FOR PROOF.

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 2021-07-28
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Previous complaint under ID XXXX. In the Company 's ( BBVA USA ) response, they state : " Your old credit card is still visible through your online banking profile for your reference. We have confirmed that the account currently lists a XXXX  balance and the appropriate credits have been applied to your new card account. '' This is factually incorrect. My old account online still showed a {$24.00} balance at the time of the response from XXXX, not {$0.00} like they stated. This is a direct result of incorrect credits being applied to the account ( to the extent of being {$24.00} short ). I called in to customer service representatives who further confirmed the existing balance and verified that the statement was incorrect. Overall, the statement above per their official response is 100 % incorrect and unfortunately further goes to show how little BBVA appearingly cares to resolve its customers problems.

Subsequent to the response I had a {$350.00} refund posted to my credit card account by a merchant for a reimbursement. This results in my current balance of my old account being - {$320.00} ( negative balance ... i.e., BBVA owes me ). This {$320.00} negative balance ( rather than {$350.00} ) is the direct result of BBVA still shorting me the {$24.00} from their fraud refund process. I have called in even subsequent to the CFPB complaint to try to resolve this to no avail. When discussing on the phone, the customer service rep agreed with what I was seeing, said it would be resolved in 2-3 business days, but ... it's now been 2+ weeks and no changes. I even tried to talk to the collections department to see if they could do anything with it, no luck.

BBVA, please please please just credit my account the {$24.00} amount I am owed such that my old account ( # XXXX ) will have a - {$350.00} balance. I will also happily field questions from a customer service representative who is able to ACTUALLY address my issue real-time on the phone or in-person and not just " file a report '' that will be fixed in 2-3 business days and never actually is ( I have been told that at least 5 times other the last 5+ months and not once has BBVA competently/thoroughly addressed the issue ). 

Please see attached pdf as proof of existing card balances and activity : $ XXXX for old credit card # XXXX {$0.00} for my new credit card # XXXX ( Can you blame me for not using the new card recently given my nervousness of if it is compromised BBVA will not address my issues? ) I wanted so much to enjoy my BBVA experience as Compass Bank ( its predecessor ) was an icon here in XXXX and especially around the XXXX XXXX  community given its founder XXXX XXXX XXXX. Unfortunately, my experience has been the exact opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: One Technologies, LP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I gave personal information including SSN to this credit report website on XX/XX/2021, I am not sure if this was identity theft or not, the URL is suspicious. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing. 
First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX XXXX Alleged account # XXXX. I have disputed these alleged accounts numerous of times and it comes back verified, or updated. These are 3 different accounts on MY, a federally protected consumer account without my consent. There has been no evidence of indebtedness proven to me AT ALL!! These accounts are infringing on my right to privacy. The banking system is dependent upon fair and accurate reporting. An elaborate mechanism had been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity and general REPUTATION of consumers. There is a need to ensure consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY!! Consumer reporting agencies are REQUIRED to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information with regard to CONFIDENTIALITY, ACCURACY, RELEVANCY, AND PROPER UTILIZATION of such information accordance to Congressional findings. I will no longer sit back and allow my rights to privacy be violated in such manner. I am requesting immediate removal of all three accounts OR i will be exercising my rights as a consumer to the fullest extend.

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 2022-11-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX XXXX XXXX My commissions are paid by the XXXX XXXX The month XXXX I had deposited my checks. At the end of the month, they all were taken away AFTER being cleared and flagged for a scam. I got all checks verified except for one. They dont want to a verify a {$7000.00} check because the title company does not have a registered number with chase. The CEO of XXXX XXXX XXXX does not know what this means. I have provided documents, and cleared paperwork on the side of XXXX XXXX XXXX they do not want to take any of it I have been struggling to get my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized inquiries on my consumer reports from TransUnion and XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any unauthorized inquiries on my credit report as they affect my credit score negatively.

As per 15 USC 1681b, my consumer reports should only be accessed for a permissible purpose. Since I did not authorize the inquiries made on my credit report, they were unauthorized and not for a permissible purpose. Therefore, Im requesting the removal of the inquiries from my credit report.

There are 7 unauthorized inquires on my consumer report on XX/XX/23 i sent a dispute to Transunion. 

I called XXXX reference XXXX XXXX they did remove inquiries but according to 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-11-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are accounts in my report that are clearly in violation of FCRA but is still reported. The data are inaccurate, outdated and therefore considered fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I had lost my job and fell behind on my payments. I asked the company for help during that time. They said I did not qualify for assistance, but instead, I had to pay a lump sum by XX/XX/XXXX. When I calculated the amount they said I had to pay by XX/XX/XXXX, it didn't add up to my current mortgage payments. I asked for a breakdown and they could not provide me with me. After the XXXX email from them, they said I was short on my escrow and now I have to pay more, which still does not equate to the amount they were claiming I would owe. Within this back and forth with the mortgage company, I was able to catch up on missed payments, but they are still increasing my mortgage payments and the amounts do not match based on escrow analysis from XX/XX/XXXX and the one they quickly processed recently.I just want the correct information because I now do not trust that they are accurately calculating the amounts on 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 explanation