BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2022-12-21
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: ID
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:
Equifax, experience .tranunio I have done online disputes disputes by mail and called there fraud depts about in authorized disputes and the always say they were validated and accurate which ifalse is have filed complaint with fcra filed a identity theft report called each individual inquiry 1 company removed it These are the inquires that Still remain and are so called validated By bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These r violations 15 u s c 1681 section 602 a states I have a right to privacy 15 u s c 1681 604 sec 2 also states a consumer reporting agency cant furnish a account without my written permissin

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I spoke to XXXX a small business supervisor spoken to around XXXX ; XXXX PST on XX/XX/XXXX. He stated that I wouldn't be receiving the {$750.00} bonus for the new account opening because I had received the bonus previously on the other account that was closed and opened in the year XXXX. He stated the bonus was posted automatically and eventhough given the circumstances was unable to manually adjust the bonus considering the misconception. XXXX also stated that it was a XXXX time bonus for the lifetime of a Bank of America business banking account. I received a new promotional email from Bank of America on XX/XX/XXXX about another {$750.00} bonus for opening a business checking account. In the terms it states that its " intended for new customers only '' Intended is misleading because why not state " New Customers Only '' Please make this right. 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 2022-09-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid off my Credit card with Comenity-forever 21 in full. I have no balance at all. balance is XXXX. So in XXXX or XXXX of 2022 I received a bill from them for XXXX dollars. it said it was interest. So I sent them XXXX $ just to make sure it was fully paid off. From that date on for the next four months they keep send me a bill for XXXX cents saying I still owe them money and I don't. I spoke with comenity on XX/XX/2022 and told them I don't owe them any more money and my account was fully paid off. I demanded they remove the charges for XXXX dollars and stop send me bills. I paid the account off in full 3 months ago. Comenity removed the charge and apologized. on the same phone call I told them to cancel my credit card I was sick of there XXXX and that they are committing a federal crime by putting a stamp on the fraudulent bill and mailing it to me ( wire fraud ) .They asked why am I closing my account? Because of they fraudulent bills you keep sending me. That phone call took place XX/XX/2022. I received a bill from them in XXXX, even though my account is closed and has been paid off for close to 5 months now. I want them to be penalized with a fine from the government, charged with a federal crime and I want XXXX $ for them trying to ruin my credit score. The only way this company will learn is if you hit them with a huge fine and make them pay me for this. Otherwise they keep doing this to the American public and think they can get away with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: CAPITAL ONE FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello there! 
I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. 
They put inquiries on : XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had issues with a credit report that was different from the reports I have access to. 

Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. 

My credit score with TransUnion had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. 

I was told by the company there's 20 different reports, I was sent a credit report directly from TransUnion and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. 

Then I later was refinancing the same home that I was trying to get a rehab loan on and was told TransUnion had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. 

Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.

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 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive been a victim of identity theft. 
XXXXXXXX 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
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-03-31
Company: Experian Information Solutions Inc.
State: TN
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 XX/XX/20, I sent Experian a letter first class mail certified indicating I am unable to identify the original lender of a XXXX XXXX XXXX account XXXX that is listed on my credit profile. This account lists XXXX XXXX  as the Original Lender in error. However, XXXX XXXX holds the note only, as most banks. Therefore, this account and account number does not match any of my records. I have no idea of who the original lender is which is worrisome. 

I have not received anything from XXXX XXXX XXXX in writing nor orally validating the debt or anything to support that I have a debt with XXXX XXXX XXXX. Therefore, I was not privileged to dispute within the initial 30 days of initial written notification. Experian continues to report this erroneous account without proper investigation in which I have repeatedly expressed.. It is my right to know the original creditor under the FCRA which has been violated and has caused me a great deal of emotional trauma during this Pandemic period.

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 2023-12-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have placed a dispute with this creditor XXXX XXXX, XXXX, and Equifax in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and XXXX and Equifax failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. XXXX and Equifax have not been properly investigating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 non-monetary relief
Consumer complaint received 2022-07-27
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: GA
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 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 2022-11-11
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Columbia Debt Recovery XXXX you have broke the law! You have shared & used my non public personal information without my consent. I have not disagreed to pay you, however, I have requested the proof of this claim you have against me. I have requested that you provide me with verifiable proof, and You Columbia Debt recovery have failed to provide me with any verifiable proof of this alleged debt. 
I now ask that you provide me with a copy of your XXXX bond issued by a XXXX company authorized to do business in the state of Texas as prescribed by the XXXX XXXX XXXX, as well as a copy of the original contract binding you, Columbia Debt Recovery and I together, A signed invoice, a receipt of the transaction you made with XXXX on XXXX, and a full breakdown of the account ledger. You have 10 days upon receipt to provide me with this information, if you are not able to have this information available I expect this account to be deleted from consumer reporting agencies immediately! I will not hesitate to seek a private right of action should you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXDEPT OF ED. 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.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account status which is currently confirmed on my own credit report is having a drastically adverse effect on my opportunity to acquire approval for a new loan, be sure to generate evidence that this is being noted efficiently as per the Fair Credit Reporting Act rules ; this is truly a crucial point to misreport. My proper demand requires reviewing directly and proving to be precise. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date 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 2022-09-19
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Please help there is fraud on this account. There is a balance of XXXX on a credit card Pnc points XXXX XXXX ending in XXXX. I am disputing this purchase as I never authorized it. Can someone help me and refund my money? I keep getting a bill for this each month when I never bought a thing. 
My social is XXXX date of birth is XX/XX/1960

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint against Portfolio Recovery on XX/XX/XXXX. So they called last night, at XXXX, from phone number XXXX. 

The prior complaint I filed about this company isXXXX. 

It seems that filing a complaint about a debt collector only increases the frequency of the calls. This was the second call in a week, an escalation on their part. 

If the CFPB is toothless, then quit wasting our time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Suntrust is my bank, now Truist. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
Beginning in XX/XX/2021 SunTrust account was compromised and hacked. Every month for the next 14 months this fraudulent website and hacker charged my account to sometimes three times in a month without my knowledge or consent or authorization. I had no Internet access during this time frame, and was very very ill. I had no idea this was going on because they were charging small amounts every time first of the 14 months it adds up to over {$1000.00} and some 40 charges I contacted my bank they did investigation and they see that they are unauthorized and fraudulent and that it happened on their watch and their security breach. I never received any paper statements with my ledger again, was very sick and had no Internet access during this time. They just contacted me via email and said they can only refund me the first 60 days. Unacceptable my money was stolen on their watch and their security breach which I have no control over and I have no way to monitor my account as they never mailed me a paper ledger. I was very sick and did not have access to any Internet during those two years, I brought it their attention as soon as I found it two weeks ago. They can, I brought it there attention as soon as I found it two weeks ago. They can clearly see that it is fraudulent and unauthorized charges. They are only trying to pay me for 60 days, not my fault that they stole my money and now my bank is trying to keep my stolen money when its all their fault. I can not help that I was unable to access the Internet, and had no idea someone was stealing my money on their watches what I pay them to do. How can I allow someone to steal my money and then tell me I cant get it back because I didnt record it fast enough. I was on deathbed I need my money.

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