BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unknown inquiry reporting on my Credit Report : XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 's 1666 B a creditor may not treat a payment on a credit card account under an open end 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 2022-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been charged for an item that I never received from the Vendor XXXX. I advised XXXX that my item never arrived and that the tracking number showed it was delivered to a different location in a completely different state. XXXX told me that they would investigate further into the matter and I have reached out to them many times. I just kept getting the run-around and no response, and now they report late charges to my credit report. This is hurting my ability to buy a home and to seek new employment opportunities. XXXX needs to remove those late payments from my credit report, for a product that I didn't receive due to their negligence. I contact XXXX and they send me to XXXX, I contact XXXX and they send me to XXXX, the whole thing is a charade.

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 2023-09-05
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I am attaching copies of the documentation that I sent to the credit bureaus via certified mail..

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had multiple overdraft fees when I was a customer with wellsfargo. They were very bad at giving me refunds and it just caused me to get deeper and deeper in the hole. Im no longer a customer but would like to get my money back if possible. I banked with them from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Rozlin Financial Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 ROZLIN FINANCIAL GROUP placed a collection on my credit for {$54.00}.

I do not owe this company any money. This collections account was placed on my account illegally. Please assist ASAP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Information belongs to someone else

Complaint:
Hello, I am writing to you in order to let you know that I do not know why I have this item in my credit report, I do not recognize it. I think somebody stole my personal information and I am a victim of identity theft. I kindly asking you to remove this account as soon as possible.

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 2023-09-05
Company: EQUIFAX, INC.
State: IN
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX Nj, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated/ incorrect under 609 or HIPPA, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX AMMOUNT {$590.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email.

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 2019-02-10
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I went to PNC Bank to deposit my payroll check. The check was placed on hold. When calling customer service, I was told that someone placed a note on my account that all of my transaction be investigated. I have never done anything fraudulent on this account. I believe that they are racially stereotyping me cause I am a young XXXX XXXX   female. I had this very same problem two weeks prior when I deposited a {$4000.00} check from a legal settlement which was drawn on that bank. I was told there would be a 5 day hold. I could use my debit card but will not be able to withdraw and funds. According to her, this was standard procedures. I even called customer service who called my attorney to verify that I was his client. PNC Banks is really becoming a nuisance holding my funds hostage. I have XXXX kids to take off and I should not have to fight for what is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 a n account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a Retirement plan check from XXXX in the amount of {$3000.00} on Monday, XX/XX/XXXX at the Bank of America branch in XXXX XXXX. The cashier informed me there would be hold on the funds until XX/XX/XXXX at XXXX which was acceptable to me. I received a deposit slip and notice of hold form from the teller verifying the availability of funds on XX/XX/XXXX. After the check was deposited and no longer in my possession, Bank of America showed on the account that the funds would not be available until XX/XX/XXXX. This is going to cause me to receive and eviction notice since my rent will not be paid on-time as well as prevent me from paying for XXXX XXXX and obtaining XXXX as well as being charged late and other fees. If the bank had advised me of the XX/XX/XXXX date I could have made other arrangements. I called Bank of America and I got a lot of XXXX  as they had to wait to receive the funds through the XXXX etc. The length of time for them to clear a check from a financial institution like XXXX seems quite excessive and abusive. The bank should be held to the agreement made at the time the deposit was made and as shown on the hold notice and not be able to change the rules after I am no longer in a position to pursue other options.

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 2019-02-11
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly asked for my XXXX, XXXX and XXXX   accounts to be updated to paid as agreed with my mortgage office Seterus , INC . I have made on time payments and asked for goodwill removal of late payments from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I am trying to get a business loan to grow my company and the late payments are hurting my ability to apply for more credit.

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 2021-08-23
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i mailed pyod llc at XXXX XXXX XXXX, XXXX, sc XXXX on XXXX XXXXXXXX about the alleged debt of {$590.00} and the inaccuracies they are reporting on my credit report which caused my score to drop 100 points. they received my letter disputing this alleged debt on XXXX XXXXXXXX it is now XXXX XXXX XXXX. its been more than 30 days since they received my dispute, i have not heard back from them yet. 

i told them that hade have thirty ( 30 ) days from receipt of my notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which they have reported it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: Avant Holding Company, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit card Avant Step 1 : What is this complaint about? Unexpected Annual fee Step 2 : What type of problem are you having? Unexpected Annual fee caused negative balance XXXX to my account Step 3 : What happened? Caused my credit score to drop-22 points credit score damage Step 4 : What company is this complaint about? Avant- Credit Card Step 5 : Who are you submitting this complaint for? XXXX XXXX self It was brought to my attention on XX/XX/2021 that Avant credit card company. Charged my account a unexpected annual fee was posted to my account on XX/XX/XXXX th. Avant- took {$50.00} out my account and left a negative credit balance of - {$15.00} was posted to my account and reported to all credit bureau XXXX My credit score dropped -22 points to my credit score. Avant- did not give me a notice of the annual fee due date of fee. I just check my balance on XX/XX/XXXX th and it was {$50.00} dollars positive for my credit report. If I had notice of the annual fee I could have made another deposit and my account would have had a positive balance and they still could have gotten their annual fee. My account have reported positive and it would have been a win win for both of us. The Avant credit card is supposed to help build my credit score but cause damage to my credit score. I am paying off my credit card I have not used it in awhile. I was building a positive balance on my credit card and Avant- did not consider the damage they have caused my credit score. It didnt have to happened!!! I called and filed a complaint but I am not filling comfortable with Avant because of the damage they already caused. The representative told me that there was nothing she could do but for me to call the Credit bureau. I told her no I will not because the credit bureau did not cause the problem and I wanted to talk to a supervisor. I talked to the Supervisor XXXX and she said she understand and I should have received a notice for the Annual fee and I did not receive a notice. Its also stated in their policy about receiving notice. She will file a report to find a resolution. I have a recording of admission of wrong doings. I dont feel confident with Avant credit card service/ product. I got the card to rebuild my credit, it was advertised as such but I received the opposite.upon request for more information bank statements and recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 's 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are CHILD SUPPORT ENF AG N, XX/XX/XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, 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 2021-07-05
Company: TD BANK US HOLDING COMPANY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: BARCLAYS BANK DELAWARE
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:
XXXX On XX/XX/2022 I bought an office chair from XXXX using my XXXX  XXXX XXXX Card from XXXX Bank XXXX Months later, Synchrony sold that credit card business to Barclays Bank XXXX and the XXXX  XXXX XXXX became a Barclays XXXX XXXX XXXX Sometime in the fall of 2022, the office chair broke and there was no possible repair. XXXX, via its marketplace vendor, issued me a full refund of {$210.00} for the broken chair. The refund went TO THE ORIGINAL CHARGE card, which was a XXXX  XXXX  that no longer existed. 
XXXX. I talked to XXXX and they said they HAD to refund to the original charge card. 
XXXX. I talked to XXXX XXXX  and they indicated the sold the ENTIRE card business, with assets and liabilities, to Barclays, and that it was their responsibility to issue the credit. 
XXXX. I wrote to Barclays and while they investigated, they issued a credit on my new XXXX XXXX XXXX for the {$210.00} XXXX. Suddenly, they charged me the amount again saying that I was " outside of the permitted timeframes to continue this claim '' XXXX. I contacted XXXX and XXXX and they indicate it is Barclays responsibility to issue the credit. 
XXXX. Barclays has refused TWICE, in writing, to issue the refund even though I have provided thorough documentation. 
XXXX. SO basically, some financial entity is keeping my refund and nobody is assuming responsibility for my reimbursement. I told Barclays I was filing a complaint with you and they didn't care. 
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 monetary relief
Consumer complaint received 2023-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

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

Company response to consumer: Closed with non-monetary relief