BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Round Up Ventures, L.P.
State: OH
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 convergent account number 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 2019-06-22
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent several letters to have the fraud alert on my credit report removed but every time I look at my credit report i still have a fraud alert on there and its making application for new credit difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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 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 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 2021-06-22
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, My discover credit card ends in XXXX was stolen then used for 300+ fraud transactions in two months. Throughout the time, Discover never sent a fraud alert about any of these fraud transactions. Since I enrolled in autopay, I paid two statements for {$5100.00} in total In XX/XX/XXXX after I found my credit card is stolen, I called Discover to report the fraud. I also called police to initiate the case with a police report. 

In XX/XX/XXXX, I was contacted by Police that they found the criminal who stole my credit card and police report is completed. 

In XX/XX/XXXX, I was contacted by District Attorney that a court case is initiated. 

In XX/XX/XXXX, I was contacted by District Attorney that the court has determined the criminal guilty. I was sent a completed police report with all the evidence including video footage, receipts showing the fraud. 

In XX/XX/XXXX, I was contacted by District Attorney that the criminal plead guilty. 

Throughout the timeline, I've contacted Discover for more than 20+ times updating the case and sent all possible documents including police report, court notice, District Attorney contacts, Police officer 's contact. Yet every time Discover still concluded that there is no fraud on my account and the investigation was closed. Several reasons they provided me : 1. Not enough information to determine the fraud. 
2. Discover isn't responsible for the fraud. I should pursuit my money with the court and the criminal by myself. 

One thing needs to be highlighted is that in XX/XX/XXXX, I was contacted by a manager in Discover customer protection department called XXXX. XXXX rudely accused me of continuously disturbing their work by calling their department frequently. When called about why the investigation is closed and why it's determined no fraud, XXXX refused to provide any reasons and tell me to resolve it myself. XXXX hanged the phone without notice after.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  Balance : {$31000.00} ; MILITARY STAR XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to UPDATE immediately : XXXX : XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$260.00} TransUnion : XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$13000.00}

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 2023-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I applied for benefits via EDD and was approved they have been depositing funds to my prepaid debit card. Due to the fact that I lost my card I had to request a new card Bank of America. I have called and requested a card several times to let them know that the address they have for me on file is not correct and it does not match what EDD has, they tell me that they have no control and they have the address EDD provided them. EDD tells me to contact bank of america.

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 2022-12-22
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
AFTER 5 MONTHS OF FIGHTING WITH COMENITY BANK TO REMOVE INTEREST THAT THEY WERE NOT DUE. THEY HAVE PLACED THE REFUND IN THE CLOSED ACCOUNT AND ARE HOLDING MY CHECKING ACCOUNT INFORMATION XXXX WITH TWO FRAUDULENT CHARGES THAT THEY HAVE NOT REMOVED, AFTER TELLING ME IT WOULD TAKE TWO BUSINESS DAYS FROM XX/XX/2022 TO REMOVE THEM. THEY SENT ME A MESSAGE TELLING ME TO CONTACT THEIR FRAUD DEPARTMENT - TO BASICALLY REPORT THEM TO THEMSELVES ( COPY OF MESSAGE ATTACHED )! I AM TIRED OF GETTING THE RUN AROUND FROM THEM, THEY HAVE AN I.T. UPGRADE PROBLEM SINCE XXXX THAT THEY HAVE NOT RECTIFIED AND THEIR CUSTOMERS ARE SUFFERING THROUGH THIS ORDEAL THAT THEY HAVE MADE WORSE INSTEAD OF BETTER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/XXXX, I sent XXXX XXXX a certified letter to cease and desist illegal credit inquiries on my credit report. I have never signed an application with this creditor. 
I have tried numerous times to email and leave voice message to stop with out any response. On XX/XX/XXXX I sent a certified letter to Experian to remove all 7 of these credit inquiries and they refused to remove the inquiries. After XXXX received my request there are 2 more inquiries. This is a violation of the Fair Credit Reporting Act, Section1681b ( c ) This unprofessional company has the nerve to have XXXX XXXX contact me after I requested that my name be removed from their database.

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 2023-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit 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:
In XX/XX/XXXX XXXX XXXX XXXX  in XXXX, XXXX had a serious hack of their servers. In XX/XX/XXXX there was an email saying student and employee information was found on the dark web. They advised they would be reaching out to those whose information was found on the dark web. They have not reached out to me or other alumni I've seen posting about their fraud issues. I noticed fraudulent charges on my USAA credit card and was able to flag that and receive a new card. It was a temporary hold for a larger amount. The credit card attempt was only declined on my account because the identify thief could not confirmed my address since I recently moved. I continued to replace all cards I've ever used to pay tuition or fees with XXXX XXXX XXXX. When attempting to freeze my accounts with the three credit institutions I was unable to confirm my identify at first with XXXX because apparently someone tried to take a mortgage out with my information in XXXX and I said this was not related to me, thus not letting me verify my identity. I have never tried to take out a mortgage at any time in my life. I still have not received notice that my information is on the dark web but since the mortgage issue and my card has been affected I know my SSN and likely the last 10 years of my information with XXXX XXXX XXXX  is out there. 

Related : My Spouse had fraudulent charges on their card that was listed with the University and we have enrolled in credit freezes and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2021 {$76.00} Tried making contact with the debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/XXXX I received my property tax information in the mail. On the tax information was included a line saying my mortgage company had requested this information. I checked online and Discover home loans had, again not updated the information sent to them and decided to pay the incorrect amount, which will in turn be sent back in a month to them. I faxed the information and also send the file over to the contact department that day. Discover has no record of either of these items yet I kept the copy of the fax being received. The problem is EVERYTHING that escrow is supposed to be paid is not paid by Discover in the right amount which I have to pay with my own funds and wait for a refund from Discover a month or two later. Discover has been doing this for the life of the loan. The fact that I send them the information and they ignore it makes me wonder how much interest they are making on other peoples money from their escrow accounts while the people have to take extra money out of their own accounts to pay the bills so they will not show up as delinquent. I am getting tired of losing interest and the headache of having to do this EVERYTIME insurance or Taxes are due. If the company can not do the job, they should not require escrow accounts so that homeowners can pay the bills themselves and not have to go through the headache and higher XXXX XXXX that comes with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
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:
I have contacted the credit bureaus and the creditor. There is information on my credit report that is inaccurate and should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint regarding the unresolved issues on my credit report. Despite my initial attempts to rectify inaccuracies, including the reporting of a late closed account, an account included in bankruptcy, and a public record, the information remains unchanged. 

Despite providing relevant supporting documentation and following the proper dispute procedures, there has been no resolution, and the inaccuracies persist. 

Enclosed with this letter, please find additional supporting documentation reaffirming the inaccuracies in question. I have attached : I request that your agency conducts a thorough and expedited investigation into the inaccurate information mentioned above. The continued presence of this misinformation is causing significant harm to my creditworthiness, and I insist on prompt corrective action. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the inaccuracies outlined. 
Correct the information promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove tthe said items items in my credit file : XXXX XXXX XXXXXXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
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:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : THESE NAMES DOMNOT BELONG TO ME Names 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 Addresses THESE ADDRESSES DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, NY XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX # XXXX  XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions 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:
Theirs addresses on my file that I don't have any contact with, I wrote to them and told them that i have one address, and one name and that i would like them to remove them other address of my credit file, as too I have one employment and no phone number.

Company response to consumer: In progress
Consumer complaint received 2022-08-29
Company: SYNCHRONY FINANCIAL
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:
in accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 states i habe the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit 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