BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXXXXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXX XXXX XXXX  ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: PayActiv, Inc.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute for unauthorized transactions that I found on my account. I feel like the claim wasnt properly handled and if the merchants were contacted, they would have confirmed the accounts did not belong to me. I also advised that my card was left in my car. Every time a call was placed to this bank, there was someone from the XXXX taking the call and it was later discovered that the info I kept providing or inquiring about, was never documented. This company supposedly finalized this claim within 10 days when I was advised that it would take XXXX and I would receive a provisional credit. I would like my claim reopened and investigated again.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX XXXXXXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.

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 2023-05-04
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: Investigation took more than 30 days

Complaint:
XX/XX/2023 I pulled my credit report and saw that Experian was reporting a collection from XXXX XXXX without my consent and violating. 

XX/XX/2023 I mailed my letter to Experian requiring them to provide validation that this is my debt. 

XX/XX/XXXX Marked 30 days for them to review and address the situation. They have not validated or provided any dispute results. 

Pursuant to Fair Credit Billing Act 15 USC 1666, Experian is violating various laws, one of which is : because no one can report something negative until the investigation is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, BBVA absorbed its subsidiary Simple Bank. In the preceding months, BBVA assured me that the transition would be smooth, and that on XX/XX/XXXX I would be able to quickly set up online access to my account. That simply did not happen. 

On XX/XX/2021, I called both Simple and BBVA to try to set up a BBVA mobile account before the XX/XX/2021 hard transition. I was told by a representative of BBVA that Simple customers would not be able to set up a BBVA mobile and online portal before the XX/XX/XXXX switch. The representative also informed me that I would not be able to access my Simple account after XX/XX/2021 at XXXX XXXX 

On XX/XX/2021, I attempted to set up a BBVA mobile account, and received an error message. After repeatedly trying to set up the account, I called customer service. At this time I could not check by balance through BBVA or access my account through the Simple App, I seemingly had no way to access my account. On this call, the customer service rep stated that the issue was that BBVA had created 2 accounts for my bank account and that was what was causing the error. They assured me that the problem would be rectified by the afternoon. It wasn't. 

That afternoon I again attempted to create my BBVA account, and again I received an error message. I again called BBVA 's customer service line, and waited on hold for more than 30 minutes without an answer. I tried to create an account again later that evening without success. 

The next day I called BBVA at least 5 times, and waited on hold for more than 3 hours cumulatively. I tried different BBVA supplied customer service numbers. On one, I got a message notifying me that BBVA 's customer service line was closed until Monday. On another, a representative seemingly picked-up, claimed that they could not hear me XXXX before I even had the chance to say hello ), and then hung-up. Finally, I got through to a representative, who had to reset my account multiple times before I could finally gain access. As part of that process, I was informed that, in order to have the representative perform that action, my account would be locked for 24 hours for " security reasons '' and that I would not be able to make deposits or withdrawals from the account. 

While I now have access to the account, and, to my knowledge I have not incurred any fees or lost money as a result of this process, I wanted to submit a complaint due to the manner in which I've been treated by BBVA, and because I have seen reports of other former Simple customers that have been charged fees, or lost money as a result of this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Commenity Bank sent me a letter on XX/XX/23 stating that they had reversed an interest charge for my account of {$130.00}. On my statement that closed on XXXX the charge had not been reversed. In addition i filed a complaint about XXXX XXXX making two charges of XXXX that I did not authorize. Only 1 of the 2 charges was reversed on my statement. When I called the person taking my call did not say he would reverse the charges he said he would put in a request to reverse the charges. Also there was a returned check fee of {$28.00} that has not been reversed. I sent an online payment on XX/XX/XXXX and when I received my credit card statement on XXXX I was shocked that the payment was not posted. I called Comenity at about that time and they claimed that they had not received the payment and told me to check with my bank. My bank suggested that I stop payment on the online check. I agreed to stop payment and then I mailed Comenity a replacement check. 

I called Comenity customer service and told them that I had stopped payment on the check and reissued and not to cash the first check but I was still charged a return check fee of {$28.00}. 

I need my account credited {$130.00} for interest plus {$28.00} for a returned check fee plus {$130.00} for the unauthorized XXXX XXXX charge.That is {$290.00} plus the {$10.00} of interest that was charged on the last statement because my account had not been properly credited to begin with. Please credit my account {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I dispute these Item XXXX XXXX XXXX : Account XXXX Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted. XXXX XXXX XXXX : Account XXXX Amount {$5000.00} I was never late on this Account : XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 60 days, and XX/XX/XXXX for 60 days. And please remove all date of these late payment must be deleted Equifax. Equifax did not compile with the State Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding Inaccurate and unknown things on my credit report and to this day over 30 days letter I have not received a response yet. I feel disrespected and taken advantage of and I am being ignored of my disputes. Section 611 ( a ). it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

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 2023-06-05
Company: EQUIFAX, INC.
State: FL
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:
Theres numerous FCRA and Consumer Financial Protection Act violations against me as a US citizen and Im addressing you to amend and correct the information on my credit file. If you refuse to provide proof of the method of your verification on the listed accounts below with a WET signature to acknowledge my physical presents and ownership to the account. 

Im demanding you remove it immediately within 30 days per the FCRA and if do not adhere to the State and Federal laws for my consumer protection Ill be inclined to file a lawsuit in IAW to FCRA per my { Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX } Please remove the below inaccurate and erroneous accounts from my credit file : Erroneous/Inaccurate Account : XXXX  - Date Opened : XX/XX/XXXX Erroneous/Inaccurate Account : XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX Date Opened : XXXX XXXX, XXXX Erroneous/Inaccurate Account : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Please supply information on how you have verified this item ; and if you can not provide the aforementioned ; remove it 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 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 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 non-monetary relief
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, XXXX, and TransUnion. ... XXXX, XXXX, and TransUnion are legally obligated to provide identical information XXXX  and transuion are reporting that my XXXX  account is {$400.00} which is inaccurate. Per my XXXX  account that has the accurate information with an amount of {$460.00}. 

XXXX reports to all 3 major credit bureaus there for all 3 bureaus should show {$460.00} as my credit balance. 

I have disputed multiple accounts with TransUnion and XXXX  and I am not getting anywhere. 

Below I will attached all 3 reports so the information is able to be verified per accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S.C. 1681 b ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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