BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: MI
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 XXXX Account # 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 XXXX XXXX XXXX Reported : XX/XX/2023 {$860.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$810.00} Outstanding XXXX XXXX XXXX  Reported : XX/XX/2023 {$810.00} XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/2023 {$320.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$210.00} Outstanding XXXX XXXX XXXX Reported : XX/XX/2023 {$100.00}

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 non-monetary relief
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: IL
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:
I've observed that my consumer reports contain illegal unauthorized accounts. This reporting agency has integrated this erroneous data despite my repeated warnings. The FCRA 's requirements have been consistently disregarded by this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent XXXX, XXXX, and Equifax FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: NV
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The EQUIFAX Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown account on my credit report. I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately in my report. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXXBalance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$350000.00} ; XXXX  XXXX Balance Owed : {$0.00}

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 2023-03-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
Regional acceptance, XX/XX/2019, the car was an ex of mine who did not pay the car off because the engine went out and he did a voluntary repossession with out my consent.

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: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on XXXX they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We advised Truist that we wanted to set up Positive Pay on our account in order to prevent fraud. We initiated this service in XXXX of XXXX. It took until XXXX of XXXX for them to finally get us set up. In XXXX of XXXX, we had a fraudulent check hit our account and were not aware until late XX/XX/XXXX. It slipped past our bank reconciliation process because the thieves used a similar check number and dollar amount as the original check. Truist refuses to reimburse the funds stating we were negligent. However, we attempted to set up Positive Pay to prevent fraud for several months and were hindered by Truist 's slow process to get it up and running. We feel this is Truist 's fault as they could not set up for us the fraud prevention services for us in a timely manner, causing us a loss of $ 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 monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX Account # : XXXX, have 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 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 2023-03-28
Company: WELLS FARGO & COMPANY
State: TX
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:
I have filled serval complaints regarding this ongoing problem with wells Fargo as you can see from the previous. I still have not had a direct answer to what I have been asking for.

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 2023-03-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank refuses to look up my credit card information that had THANK YOU POINTS associated with it. 
I was rudely put on indefinite HOLD by agent who insisted the only way to move forward was with the old card number - even though I had verified a different current card number. 
She refused to connect me to a supervisor. 
Instead of hanging up, she placed me on hold, stayed silent, and never came back onto the line after 20 minutes of hold time.

I did not disconnect the call.

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 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/XXXX- XX/XX/XXXX, I was in XXXX XXXX XXXX. When I returned and tried to use my Capital One cards, they were declined I contacted the financial institution to figure out the problem the company told me that I was over my limit and late payment. After investigating and some help from the fraud department we figured out that my card was used without my authorization. I took their suggestion and filed a police report and waited for a resolution. I received a letter in the mail stating that they would not reverse any of the transactions and I was responsible for the balance and fees. I contacted the Account and Verification department and asked for a review of the resolution. I sent all of my supporting documents, travel information, XXXX, residency permit, and police report. I asked the company for proof of verification that I authorized another user, and I never received any information for it. I received a second letter stating the company wound not reverse it and I'm responsible for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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 received a paper statement which showed a transaction charge of {$190.00} for " BESTBUY XXXX XXXX. I did not authorize this purchase or renewal, nor did I receive any documentation in the mail about any renewal. There is nowhere on my BestBuy account webpage where I can find an option to cancel any automatic renewals or cancel renewals such as this. This is extremely misleading and frustrating. Especially since I literally just completed paying off this card. I reported this to BestBuy and tried to use their chat feature online to no avail.

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 2023-12-08
Company: Professional Finance Company, Inc.
State: FL
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:
This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified?

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.

I have never done business With Professional Finance Company Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated. 
Validation of Debt and HIPPA XXXX XXXX. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to Professional Finance Company.

Professional Finance Company collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shock to see it was a collection account from Portfolio Recovery. I discovered this debt by viewing my credit report. This company never sent any correspondence to me for this debt, no validation letter, nothing at all. I have asked for a copy of the singed contract in question with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g 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 on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed 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. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/08 XXXX days after my direct deposit I received an email my checking, savings and credit builder accounts were closed. I immediately called the bank number XXXX and spoke to an agent. The agent reviewed my account and transferred me to another agent. In total I was transferred XXXX times and was informed I needed to send an email to XXXX with my mailing address for the refund. I sent an email and received a response was informed They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure and does not qualify for a refund. i emailed Back four more times with the same response. I had a separate issue with fraud over XXXX weeks ago and not sure if this was related or not as they will not tell me. I then received another email stating Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

For immediate assistance, call us at XXXX. Please let me know if you have any additional questions! I called the number to be told they will escalate the case to only receive the same response. Chime took my hard earned money in the amount over {$2000.00}. I sent an email back stating a hardship being a veteran with PTSD. I have Bills and obligations. Its the holidays. I have Tried in good faith to recoup my direct deposit. This is stealing someones direct deposit. Only deposits to the account are direct deposits. I work Hard for my money and in a desperate situation. Ok if whatever they closed the account but the funds in there are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Credit Karma, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
on or around XXXX XXXXXXXX | saw a lot of pre approvals on credit karma at first I didn't pay it any attention but credit karma kept sending me all sort of pre approvals telling me that I was pre approval for credit card home mortgages and personal loans and the I can refinance my car every day I would see these offer everyday Togged in to check my credit score so after a few months of being told I was pre approved I thought that was in the perfect place to apply I got so many offers threw credit karma I starting telling my family about vacation and investments that we were goin to use these pre approvals for. so I finally applied on or around XXXX for 4 credit cards and 4 personal loans I Was distraught was very very angry and I felt deceived I was marketed to for months by credit karma. They told me I was pre approved this was a lie. I was serverly stressed out I was nauseous for weeks I had XXXX  so bad I became antisocial my XXXX went from XXXX to XXXX now every time I immediately close my phone and shut shut my computer off. This has made me so uneasy and XXXX that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: DC
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation