BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 2 : It also states a consumer reporting agency can not furnish an 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 2021-07-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, my name is XXXX XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, Citizens Bank has such a terrible job getting my loan closed this will be my second complaint within a week because they are still giving me problems I had to switch lenders because we were pushing the 90 day mark and they are now refusing to transfer my case number for loan XXXX which was requested over 1 week ago they have also The phone that it has been transferred which is false information I just checked with my new lender and they HAVE NOT received it as of XXXX a.m. here on Monday XX/XX/XXXX. 
Thanks a bunch for your help in advance and if you have any questions please feel free to contact me at the number below or my email address thanks again Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
i've been out of work since XX/XX/XXXX due to laid off from XXXX i've had it 3xs and been struggling with health issues. i've been trying my best as a single mom of XXXX and trying to keep up with my bills but its been so hard for me i don't want to lose my home its all i have for little family i've been doing part time jobs and they dont last long or do i make enough im behind all my bills about to also lose my only vehicle i take my children to school and doctors when needed. i see my medical provider for my XXXX when its really high he puts me on medication to help me control it. my last job only was 5 months and now im laid off since XX/XX/XXXX im scared to lose everything when ive tired every single day to keep on going and look for work please help me i need really bad debt no matter how sick i fill every morning from stressing myself in pushing not to give up i push my self to try to have a better day. ive gone to community in action 2xs for help and all they tell me is that they dont have funds at the moment for me to try other agencies. so far im crossing my fingers and praying someone can help me i appreciate the time given. 
thank you and god bless you all XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: DISCOVER BANK
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: AL
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 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 An 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 explanation
Consumer complaint received 2021-07-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi my name is XXXX and I'm from XXXX I'm using PayPal to transfer money and take payments from my clients more then 8 years but last 2 years their AUP ( user agreement policy ) was changed without any notice or email last year they start transfer any monies under AUP break or damages ... They took XXXX usd from my account without any notice or reason I'm still trying to contact them but no phone or email is replying my PayPal account email is XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and 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 explanation
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
State: NV
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 am composing this letter regarding the account number XXXX that your company is currently reporting to XXXX XXXX XXXX, and XXXX under my name. I am deeply concerned about the derogatory rating associated with this account. It has become a significant source of distress for me. I am particularly worried about the negative impact it has had on my credit, as I was recently denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused considerable financial and emotional distress, and it will continue to do so until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this complaint due to Experian not responding properly with my request to have credit inquiries removed and certain accounts on my report that I do not have a contract with nor can they provide proper documentation that they accounts belong to me. I did not authorize these inquiries and they are still showing up  on my report as well as the accounts and I have tried to dispute this over 3 times. I get the same response a few days later. Which further tells me that they have not verified these inquiries or account and keep sending me a generic response. I have recently submitted another dispute and if this complaint does not work I will be submitting a complaint to the BBB as  well as contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit or adding accounts to their report is for a firm offer of credit, insurance, employment or court order, or if the account has been proven with contract to be mine.

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 2023-05-31
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:
I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/2021. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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/XXXX, I made an installment payment to XXXX XXXX for a new HVAC system at our home using my Capital One credit card. Today, XX/XX/XXXX, I checked my card and saw that I had been assessed a " cash advance fee ''. I spoke with an agent who told me I needed to call the other company ; have a representative 3-way on a call with Capital One and confirm that's what happened, and then, he would refund the fee. 

When I called back to do that, I spoke to a 2nd agent who told me the fee could not be refunded although I had done everything the previous agent asked including have a representative from XXXX XXXX on the line. I requested my concerns be referred to a supervisor. I explained everything to her. I was put on hold and when she came back, she said she agreed with me and would support me, but she could not remove the fee although she knew it was not a cash advance. 

I asked what did I have to pay to stop the daily accruing interest. She advised the minimum due plus the amount of the charge plus the fee. She also advised even after paying those fees, I would still be charged an additional day of accruing interest and would see it on my next statement. That's when she offered that she was noting a lot of details on my account in case it would be needed. 

For the record, Capitol One charges 28.99 % interest on cash advances ... significantly more than the interest charged for purchases. That is why I had to pay the minimum charge plus the total amount of the charge to XXXX XXXX as well as the associated cash advance fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Today XX/XX/19 I received an email from NewRez stating my mortgage payment is handled by them and my payment is due XX/XX/19 ... .I never received any correspondence from the original loan servicer ( XXXX ) stating they sold the loan. My paperwork from XXXX that I signed says my first payment is due XX/XX/19 ... ..I called NewRez ( which was recorded ) and they are telling me my payment is due XX/XX/19 which is totally incorrect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

The letters are stated with items and issues. 

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 XXXX 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 2023-09-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI
Product: Credit reporting 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:
on XX/XX/2023 prestige financial gained unauthorized access to my credit report causing a dent on my credit report affecting my credit score and being denied my credit usage due too these hard inquiries. This inquiry is a violation of 15USC1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: Problem with personal statement of dispute

Complaint:
I spoke with a Teletrack XXXX over the phone and said they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a Barclay 's credit card as part of an online promotion. I never used the card but a fraudulent charge appeared on the account. I contacted Barclay 's fraud service who assured me the charge was removed and no late fees would be associated with the fraudulent charge. two months later i started getting emails and calls from Barclay 's telling me my account was past due and threatening my credit. I once again contacted customer service at Barclay 's and after numerous transfers and agents was told that two late fees associated with the fraudulent charge had been removed and the charge itself was returned already. Now, three months later I am getting more calls and emails complaining about the account being in arrears. I contacted customer service who claims to not know why additional late charges and the fraud charge are back on the account. I was told three months ago that the account had been closed but apparently they could not accomplish that either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted LVNV FUNDING LLC regarding an account from a XXXX XXXX account that's the original creditor to resolve. They advised me that they no longer have my loan it was sent to other agency. I asked why are they the company still reporting to my credit if account no longer in their office couldn't get an answer. I ask that if they no longer have my account please remove them from reporting to my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: American First Finance, 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 am composing this letter regarding the account number XXXX that your company is presently reporting to XXXX under my name. The account is flagged with a derogatory rating, which greatly concerns me. I am deeply worried about the impact this negative rating may have on my credit standing, especially considering that I was recently denied a loan and my existing credit accounts have experienced an increase in interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and I anticipate it will continue to inflict both financial and emotional hardship until a resolution is reached.

Company response to consumer: Closed with non-monetary relief