BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XXXX i requested for inaccurate information to be deleted not be reporting on my consumer report. I am writing to bring to your attention an urgent matter concerning inaccurate information present in my credit consumer report, which has been causing significant damage to both my creditworthiness and personal character. 

Upon reviewing my credit report, I discovered multiple instances of incorrect information, specifically regarding names, addresses associated with my account. It has come to my attention that my report contains names that do not belong to me and are therefore inaccurate and misleading. These inaccuracies have raised concerns about the integrity and reliability of my credit history. 

I would like to emphasize that I am the sole individual who can validate the accuracy of the information within my credit report. Their inclusion is not only factually incorrect but also potentially harmful to my creditworthiness and reputation. As a responsible consumer, these discrepancies are tarnishing my credit report, making it difficult for me to establish my true creditworthiness and reliability. I kindly request that TransUnion undertake a thorough investigation into the inaccurate information contained in my credit report and take immediate action to rectify these errors. Specifically, I urge you to delete the names and address that are not mine and update my credit report with the accurate and verifiable information that I provide. Doing so is crucial to ensuring the integrity and reliability of my credit history and preventing any further damage to my financial standing. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and correct any inaccurate information on my credit report and that all information reporting must be 100 % accurate Therefore, I kindly ask for the incorrect information be removed thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EOS Holdings, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I made a dispute with XXXX and XXXX reference to this debt collector EOS CCA who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am trying to rent or buy own first house and a new car for our military family. All 3 credit bureau has wrong derogatory information that I did not authorized, I am a victim of fraud, now the most recent that I saw thru XXXX XXXX was XXXX XXXX. False report and my personal information being sold by different againes that I'm unaware of. All 3 bureau is refusing to remove these things off my credit report. So I need you guys to fix it we should not have to serve this America country and come home and people has misused our social security numbers and now we can't get approved for us to live. Please help XXXX I can be reached monday thru saturday. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've recently mailed out a dispute letter to Transunion regarding accounts on my consumer report that isn't mine and doesn't have authorization to be reporting. They responded that these accounts were verified but never did they provide me any documents that give these accounts consent to report. I am aware that I have a right to privacy and with these accounts reporting without my permission is a violation on Transunion behalf for not actually providing verification for these accounts. I asked you to investigate them and you can't provide to me any documentation with my signature. I understand that it is your duty to assure that any information reporting to my consumer report should be accurate and verifiable in which you failed to provide to me any documents. I demand that any accounts or information listed in my dispute letter be removed from may consumer report immediately or Transunion will be held liable for any damages. How can I owe a debt if these was never a mutual agreement? Where's my authorization for these creditors to purchase my personal information and share it with anyone? 

Violations committed : Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NC
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:
My twin Sister Credit pops you up anytime I run my credit for a car or a loan this can probably be confusing but its a problem that need to be addressed and fixed I havent been able to to get a car for something thats completely not my fault I need done asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this company ( ENHANCE RECOVERY CO L ) a validation of debt letter to them and have not be responded to yet which was sent on XXXX XXXX they are sending me calls & mail about this {$1300.00} debt their trying to collect that I have knw knowledge about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Frost Bank contacted me about an account that was being opened with my information, they were checking with me because it seemed fraudulent they had 3 accounts trying to be opened in my name and to report it to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I cashed a backpack check Social Security for my XXXX daughter at the XXXX XXXX Bank of America.The XXXX cashed it. I'm her payee.Then few days, my card was declined due to overdraft from the check. I been with BOA since XXXX, never had an overdraft. Being a XXXX, I went to mgr who cashed check. He referred me to the Escalation dept. I called them, XXXX XXXX, also spoke to XXXX supervisor on XXXX XXXX. She denied installment, payments, and also emailed XXXX XXXX XXXX of BOA. It was a legitimate SSD check, but overdue timely, due to me going to hospital for XXXX. They took my VA widows pension and Social Security. No funds. My name is XXXX XXXX phone XXXX. Need funds to pay my rent and bills. Thank you

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 2021-04-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Credit report shows that I've made all of my payments for the card on-time for years and even though my financial situation is improving, they've REDUCED my credit limit, thus impacting my credit score. I've paid down my balance to what was originally less than half, and now the new limit puts me at over 90 % utilization. This is constitutes dishonest practices that affect credit decisions by other institutions. I was not notified of this action via the credit institution ; I only was made aware of this by my bank credit monitoring service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, I submitted a request for a credit line increase on my +13-year Visa credit card with Capital One Bank , XXXX, Virginia. 

Today I received a letter in the U.S. Mail also dated XX/XX/2019 that the increase request was declined stating the reason as : " Your financial obligations reported to us by the credit reporting agency are too high. '' The XXXX  credit bureau file was cited as their information source. 

I accessed the XXXX  credit bureau file. When two statistically minimal errors are corrected, it indicates a 4.56 % credit utilization rate on {$320000.00} of available credit. Such " financial obligations '' are not " too high, '' but quite the opposite for too many individuals who maintain high credit card balances. 

When I called Capital One 's XXXX, Florida operation to protest the error stated in its decline reason, I was told by supervisor XXXX that there was no recourse in fixing Capital One 's blatant error. When I asked for clarification of this statement, they refused to provide it. 

When I called to Capital One 's headquarters, I was told Capital One has deleted its Executive Problem Resolution area and phone calls to an appropriate functional manager would not be connected. 

So what Capital One has chosen to do with its operating policies and procedures is completely suppress customer inquiries when Capital One creates problems and errors, then doesn't wish to resolve them. This is hardly good business practice, good consumer protection and certainly does not lead to retention of long-term customers in good standing. 
I deal with several other credit card companies and none of them, in +40 years of experience, have come close to displaying such intentional arrogance, dismissiveness and indifference to errors when a customer brings a blatant factual error to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Citibank checking account which I use every month to pay rent abroad to the same person in the same amount. I have been doing this for almost two years now. All of a sudden, the bank locked my account for " security reasons '' as of XX/XX/XXXX. I have been calling them since XX/XX/XXXX to get the issue resolved, have spent 3+ hours with representatives from their customer service, technical and fraud protection departments yesterday XX/XX/XXXX and today XX/XX/XXXX. They each say a different thing to me and I am still not able to access my account to pay my bills on time. This will cause me to be charged late fees and penalties. Some representatives say it is probably my device or my connection, however, I am using the same device and network I have been using for the last 2 years. I have also tried different networks and devices as well as the online app and I am having the same problem. I even had a relative who also has the same type of Citibank account use my computer to make a wire transfer to test the issue, and he was able to process the wire transfer without any issues. Therefore, my issue is not related to technology. Secondly, one of the representatives from the Fraud Department told me on XX/XX/XXXX that my account was under review for fraud matters and that they could not discuss ANYTHING with me while the account was under review and that I needed to call 24hours later. I did called 24 and 36 hours later and they still have not solved the isssue, continue to provide me with conflicting information and no solutions and I still don't have access to my account to make wire transfers. This is simply unacceptable! I encourage their customer service managers to listen to the recordings to see how rude, untrained, unhelpful and useless their representatives are.

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 2019-11-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019 I applied for an HSBC Bank Gold MasterCard online ( App. ID. 
XXXX ). 
The application form had a US citizenship question to which I answered XXXX, because I am XXXX XXXX XXXX XXXX. 
My credit was in the high 600s, good credit. 
Though I gave the bank my SSN, they did not pull my credit report to ascertain who I was.But instead decided to manufacture a reason that my identity could not be verified. 
Because after quoting ECOA, in the denial email, which forbids denial of credit based on national origin, and i XXXX XXXX XXXX XXXXXXXX XXXX, whoever handled my application, in my opinion, was in a dilemma.So they decided not to pull my report because it was a futile excercise or redundant. 
HSBC approves ONLY XXXX XXXX  for credit cards, a violation of ECOA.So no matter my credit situation, I would not qualify for the Gold MasterCard. 
Fast forward to the pre-approval letter to apply for a personal loan. 
If they could not verify my identity by a simple effort of pulling my credit report which takes a few seconds, how was HSBC, XXXX, NY able to access my credit report and mail me a pre-approval letter for a personal loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Atlantic Credit & Finance, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a copy of a judement from my escrow company that I didn't know about it was dated back in XXXX. Talked to a XXXX XXXX on XX/XX/XXXX regarding this judgment an my willingness to pay so I can move forward and have this cleared. He stated once they received payment he would issue a document of Statement and Release and have this recorded with your court system. I asked for a recordable document so my escrow company could have it recorded. Ref. # XXXX Judgement doc # XXXX. Amt of judgement is for {$1600.00}. A payment in the amt of {$1600.00} check # XXXX was paid to Atlantic Credit and Finance on XX/XX/XXXX. They received it on Monday XX/XX/XXXX as I had it certified and return receipt. The check cleared my bank on XX/XX/XXXX. I've since made several calls to Atlantic Credit and Finance only to be put on hold or transferred several times. I've called daily and when I did speak to XXXX XXXX said that he sees a payment was made but had to confer with their legal department and compare notes and on Monday XX/XX/XXXX I finally talked to XXXX XXXX who stated that my account was sold and he didn't know who cashed my check and that he was blocked from contacting or discussing further, said more money was owed.

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 2019-04-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My complaint is about a Chase representative who lied to me and provided me with false contact information. 

I previously filed a separate complaint against Chase because I was unable to open an account online, despite their advertising that one could open an account online. ( complaint ID XXXX ) This complaint is because on XX/XX/XXXX I received a voicemail response from a Chase rep " Greetings, this message is for XXXX XXXX. And this is XXXX with Chase Bank executive office. This is just an acknowledgement call to inform you that we have received your concerns from the cfpb, and we will be responding to you and to the cfpb by the due date in the event that you have any questions for me. You can reach me at XXXX XXXX. My extension is XXXX, and my hours are from XXXX XXXX  To XXXX XXXX   Central Standard Time Monday through Friday. Thank you and have a good day. '' I called that number extension XXXX, and asked to speak with XXXX. The man who answered said that there are several XXXX who work in the executive office ( yeah, right ) and asked me for his last name, which I didn't know. He also said that the extension was incorrect, as their extensions are 7 digits long ( yeah, right ). He claimed that he was unable to find my complaint and therefore was unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a letter to I C systems letting them know that I have never had a contract with this debt collector and to please remove off my credit report but yet its still on my report. I asked for proof that it was mine and it was never received.

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 2023-11-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX Currently have some fraudulent accounts and inquiries appearing on my credit report I have listed supporting documentation below.

Company response to consumer: Closed with non-monetary relief