BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: NJ
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:
The below listed accounts had violated my federally protected rights of privacy under XXXX XXXX XXXX XXXX XXXX XXXX OF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions. 


15 USC 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 crime, which add a date to the report by more than seven years. 


15 USC 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 calls to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to correct or repair the following items from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: PROVIDENT FUNDING ASSOCIATES
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter dated XXXX XXXX in the mail from Provident Funding on Tuesday XXXX XXXX. The letter stated that my mortgage payment had been received, but that it was being returned because it was not for the full payment amount and that if payment was not received by XXXX XXXX ( already in the past ) I would be charged a late fee. I immediately got on the website to try and make a payment, but the website would not allow me to make a payment. I tried to submit a request to be contacted, as it was after business hours, but the website would not allow me to submit the request. The website simply was not working. On XXXX XXXX I called the customer service line and was told the wait time would be 2 minutes. After being on hold for more than 18 minutes I received a live person. After a painful phone call and several more waiting periods we found that the website truly was not working and I could not make a payment online. Therefore the fee to make a payment over the phone was waived, but the late payment was not. Provident states they sent a notice of my payment change. While I understand this may be true, the fact is I never received the notice, nor was it showing online as I clearly pointed out to the customer service representative who was on the phone with me while I logged in and was unable to get access to anything. With my perfect pay history to date and the fact that I sent my payment on time ( less the apparent change in escrow given the XX/XX/XXXX escrow analysis ) I am shocked that Provident will not step up to their multiple issues and waive the late fee. Their poor process and failures include : returning a payment, poor customer service, non-functional website, untimely delivery of a late notice and possibly not sending and escrow analysis change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: IN
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2021-11-07
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received notice of account closure XX/XX/2021 citing " Key Factors that aversely affected your credit '' which are not accurate and citing a date of credit score provided of XX/XX/2021. A payment was made on this account on XX/XX/2021 of {$3700.00} bringing the account balance to XXXX. I am in the home buying process and wanted to 1 ) clear this monthly payment as a liability for the home loan and 2 ) improve my credit score. The account being closed on me without notice will adversely harm my credit by 1 ) closing an open account with 100 % positive payment history and 2 ) not giving me credit for reducing resolving balance to credit limit ratio since I no longer have the credit limit of {$6000.00} on the account. One of the " Key Factors '' cited was " Not Enough Balance Paid Down Over Time on Real Estate Secured Loans ''. This is a farce as more than the minimum mortgage payment has always been paid on time over the history of the current mortgage account, which has also been paid in full as of XX/XX/XXXX. I understand this would not have been updated with credit bureaus as of XX/XX/XXXX. 

XXXX XXXX / Synchrony Bank was fine making money of my interest payments until I paid the account and then immediately closed it which is negatively affecting me and citing reasons that were 100 % the unchanged when they initially issued credit. This is fraudulent. It is also not fair reporting that I do not benefit of my positive payment history and paying the account balance via credit scores for my home purchase and will instead be negatively impacted which will increase my mortgage cost in the interest rate I will qualify for. This is completely unacceptable practice. Synchrony Bank got paid and immediately closed the 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
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$48.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2022-11-30
Company: Atlanticus Services Corporation
State: PA
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:
Isnt resolving disputes billing errors 15 USC 1666B Under 15 USC code 1692j - furnishing certain deceptive forms I am not participating inn the collection of this alleged debt. Cease and desist " Fraud vitiates the most solemn Contracts, documents and even judgments '' [ U.S. vs. Throckmorton, 98 US 61, at pg. 65 ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX and XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: ND
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 XXXX Account 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One Bank wrongfully paid a fraudulent/forged check drawn on our household joint checking account, has refused to pay it, and prejudiced our ( spouses ' ) effort to have the funds restored or seek another remedy. Despite the obvious forgery and alteration of the check, Capital One paid it sometime in XXXX or XX/XX/XXXX. We did not notice that until summer XXXX, when the XXXX XXXX XXXX XXXX, which cashed the check, informed us of the fraud. Capital One 's voluminous and complicated Account Disclosure, under the boldface heading " Claim of Loss '', discusses what the bank and customer are to do " if you ( the customer ) claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal ''. When we made our claim to Capital One concerning the forgery and alteration, bank officials assisted us with preparing affidavits and evidence. In response to our numerous inquiries about the matter since XXXX, they assured us that the investigation was ongoing and encouraged us to wait until the outcome was reached, likely before the end of XXXX. 

In our most recent inquiry about this matter a few weeks ago, a Capital One official mentioned for the first time that our claim was untimely. The official referred to the Account disclosure document. The above-referenced discussion about a claim based on forgery, alteration, etc., does not refer to a time period. The time period is elsewhere, in section about the bank providing account statements electronically. Why not state the time period for a forgery/alteration claim where it obviously would be most informative and protective of the customer, specifically, under the discussion of claims relating to forgery and alterations? Doing so would be more than fair and forthright to customers who are subjected to reading a voluminous electronic document to be read by scrolling a computer screen. 

Capital One 's unfair practices have interfered with our seeking a remedy on a timely basis. As for the 30 day period, our personal, health-related circumstances at the time were such that our failure to discover the transaction earlier was not unreasonable, but we are not presenting them here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company has tried contacting me multiple times and has even left me voicemails. The gentleman I spoke to was extremely rude he told me I owed a random debt of {$3300.00} from a old apartment i havent lived at in 6 months. He threatened me if I did not pay said debt it would go on my credit report. I didnt not receive any letter until weeks later. The letter had a random amount and did was not itemized and did not specify what the charges were for or when it was for. This company is not an accredited debt collector. They have been sued numerous times. I refuse to pay a debt that is not mine or one that has little to no information. I have filled a dispute with the company and have yet to hear 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 explanation
Consumer complaint received 2023-12-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}

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 2023-09-01
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting Act XXXX XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Account number XXXX 15 U.SC 1681 Section 602A 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: POPULAR BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 I received a letter dated XX/XX/2019 from XXXX XXXX, Senior Product Manager at XXXX   XXXX. This letter was in reference to complaint # XXXX to the CFPB ( Consumer Financial Protection Bureau ) for an account closed by said bank. In the letter it was confirmed that the account was closed by XXXX XXXX and an early closure fee was assessed. Also, it states that since the account closing was initiated by the bank, XXXX XXXX would refund the closing fee ( minus any incurring interest the funds gained while in the possession of said bank ) by check in the amount of {$25.00} USD. It is now XX/XX/2019 and I have yet to receive any reimbursement from XXXX XXXX. I've contacted XXXX XXXX 's customer service line and they have no record or initiation of said refund. I was told someone would get back to me as soon as possible on the matter. I'm accounting this information with the CFPB to further expedite the claim.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have asked XXXX, XXXX and Transunion to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX for incorrect reporting on my credit. I have also requested for XXXX, XXXX and Transunion to remove these account : XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information. 

15U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent.

15U.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.

15U.S.C 1681c ( 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. 

Transunion, XXXX and XXXX have failed to send me an update on the dispute I submitted. I called Transunion, XXXX, and XXXX and they have declined to send me a letter providing me an update of my dispute. When I asked them what information did they request from the creditors I am disputing on my credit, Transunion response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide general account information, not pertaining to my dispute. When I called XXXX they provided general information on what they do on a dispute which was not helpful. XXXX have also refused to send me the letter of the status of my dispute.

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