BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-12-04
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
One three separate occasions, the last being XX/XX/XXXX ; the bank has given less cash than the withdrawal amount. This happened in the drive through and in the bank lobby. The most recent occurrence involved a withdrawal for {$300.00} dollars and I only received {$200.00}. Because this has happened on three separate occasions and I am an elderly customer I believe the branch or an employee at the branch may be committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing this due to non-compliance with the AD ASTRA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2023, I connected with a person on XXXX XXXX ( of which we have mutual friends ) that posted that they were selling XXXX XXXX tickets for the night of XX/XX/XXXX. The tickets were agreed upon at {$270.00} a piece and were to be transferred via XXXX from one account to mine with associated email and phone number. On XX/XX/XXXX and XX/XX/XXXX, in installments, I sent a total of {$720.00} to two XXXX accounts, as indicated by the person I was in contact with. The person indicated they had sent me the tickets, but I never received them. The person indicated they would contact customer service to resolve the issue. After not responding in XXXX for a whole day, on XX/XX/XXXX, the person confirmed my phone number and email and then blocked me on XXXX. On XX/XX/XXXX, I reported the accounts as a scam to XXXX. XXXX indicated they would not be able to return the funds. I requested the funds back from the person 's account through XXXX, but the requests were denied. I filed a debit dispute with Citizens Bank on XX/XX/XXXX. I provided the information I was asked for over the phone. On XX/XX/XXXX, I received a notice in the mail from Citizens asking for more information and any evidential documentation. I emailed these items to Citizens debit disputes that same day. Dated XX/XX/XXXX and received on XX/XX/XXXX, Citizens Bank reported that they have closed the investigation, as no error occurred and I should try to resolve the issue with the person. I had tried to do so prior to contacting Citizens. An error has occurred, as I did not receive the goods as promised, the person has declined my requests and has blocked my ability to further contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2020, I became ill with XXXX XXXX. I was extremely ill and out of work for XXXX months. I reached out to Comenity about my XXXX XXXX XXXX XXXX I was finally better and able to talk and think better. I spoke with a rep and let them know I was out of work due to XXXX and that my short-term XXXX hadn't kicked in to pay. This was in XXXX. I then reached out in XXXX and spoke with a gentleman who set me up on payments. He was kind but never disclosed that my credit was in danger. Prior to XXXX I was never late and always on time. Due to this mishap, I was dinged late on my credit for XXXX, XXXX and XX/XX/2020. Since I was never delinquent prior to XXXX, I should have been covered under the Cares Act for those months I was ill with XXXX. I reached out to Comenity several times when I finally noticed the late markings and could not get anywhere with them. Those late markings are not valid and I'm trying to have them removed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase restricted my account out of nowhere when I made a couple of claims for amounts I didnt spend, this was done on XX/XX/02. It is set for closure by Monday. They have more than XXXX dollars on hold which were for my rent. I called multiple times and they said that theres nothing to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: VA
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:
Under Law ( 15 usc 1681a2 ). All three-credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be on my credit report. I never done any business with this company ; nor did not give written permission to have this account furnished on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I need a copy of the envelope contents for the payment paid XX/XX/2022. My account thinks I have a problem with the XX/XX/2022 payment that is throwing off the loan schedule and has asked me to retrieve it from SPS. Please send the photo contents of the XX/XX/2022 envelope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
see complaint number XXXX I asked to receive the XXXX recorded call transcripts date XX/XX/XXXX at XXXX XXXX XXXX and XX/XX/XXXX at XXXX pm XXXX. I did not receive them. I also asked for the photo contents of the payment envelope dated XX/XX/XXXX for loan XXXX. I received the photo contents for XX/XX/XXXX instead. My account is requiring XX/XX/XXXX. Please send the photo contents for payment made XX/XX/XXXX. Also. please send the XXXX recorded call transcripts date XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX  as they were never sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: CA
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:
While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case. 

XXXX. XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/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 2020-09-08
Company: HW Holding, 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:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.

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 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Been almost 3 years complaining with no help about the fraud that took place. The Cfpb is not helping my case as to the fact almost XXXX was stolen from me by the bank allowing it to be data breached or stole out the mail this is a newer crime that is very high in my state and area, they are completely ignoring my case its been 6 attempts to get the provisional credit like stated in the lawsuit and in the laws to protect in general. I have been belittled by the bank first stating for the first claim I never was sent to escalation team 2-3 years of finding out I was approved, because remind you it to as frozen at first until I verified me, XXXX went and verified me again to I guess boa that I was unaware gives the card out, they sent me to do another escalation claim when I wrote the Cfpb and stated I need to place it, well its XXXX and almost a year into seeking help I still get the ( BOA HAS REQUESTED MORE TIME ) this is unlawful and I want to sue for the bank committing fraud at this time to me by stating lie to me in the mail about th e claim being less rehab 90 days old and resting more time this is my 5 claim and if there was a real investigation there would be no more time needed, please I have tried to plea my case but also Im asking for the Cfpb to send the info to the commission my next step is to contact the news downtown and place a court summons to the bank for the delay of processing my claim lies they stated in 4 packet they have finished this investigation which I know is a lie due to me being honest as welll as them asking for more time please force the provisional credit until the case is over the right way this is a joke to me and anyone thinking they are actually carrying about your money, if th Cfpb cant do it the news or court will.

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 2022-12-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
Credit Acceptance - account # 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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX admitted fault at reporting my history incorrectly. I have never been late and always been on time with my payments. They promised to remove late payments due to the fact that they failed to send me monthly statements. Representatives assured me that by the next billing cycle on XX/XX/2022 they will report everything current with no late payments. We are now in XXXX and they have not fixed their error.

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 2023-06-10
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in accordance with the Fair credit Reporting act Credit Collection Service reference file number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy 15U.S.C 1681 sECTION 604a Section 2 : it also states a consumer reporting agency can not furnish an account without my written permission. and they have furnished on my all 3 credit reporting agencies without my permission as a collection account and lowering my score tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I currently have a Loan through XXXX. They have falsely reported two 30 day late payments to my TransUnion report. I have called multiple times to resolve this issue and was told by a manager i have no late payments and they have not sent any late payments to my credit. All of my payments have been up to date and on time. I currently am in the process of purchasing a new vehicle but am unable to due to the false claims on my credit. There is now an investigation on why it is on there but the manager has already let me know everything is on time and there should not be any credit issues. However 2 weeks later nothing has yet to be done about it.

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 2022-06-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX bankruptcy XX/XX/20 This has already been discharged.on XX/XX/20 XXXX XXXX OH XXXX XX/XX/20. This already been discharged on XX/XX/20

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$460.00} 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 non-monetary relief