BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 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 2018-08-27
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Since XX/XX/XXXX Serve Prepaid card disputes team have been messing up a dispute filed on that date against XXXX 's {$110.00}. Disputes Dept keep filling the dispute under the wrong tag refund to customer, credit to customer, returned merchandise. To mention a few. Finally after i appealed it many times it's filled the right way. Since XX/XX/18 Serve disputes Dept charged XXXX 's back for {$110.00} which XXXX 's had been claiming they returned the funds to Serve that day. My account was never credited. However was given provisional credit which Serve reversed cause now they say it was an authorized charge and XXXX 's is saying they have the funds now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I CALLED REQUESTING ANSWERS AS TO : How and why did my credit score dropped 15 points ; and I was told about something that happened more then two years ago. I also was told since I have a XXXX balance on my opened credit accounts, and I am not using them on a regular base, that to will cause a decease. 

However, I told the bureau that over two years ago, I turned a vehicle back to the : Lending company, and was not told that it will reflect a navigate, if and when they resell the vehicle. 

Also, regarding the credit card accounts, I had paid them off around XXXX or XXXX of XXXX. I told the bureau, that when I paid them off, it did not show any navigate reflections against me ; therefore, I asked again, why am I receiving 15 points taken away from me.

Non of the bureau would or could answer that question. I was told to talk to a financial Advisor, which I did. I called XXXX Financial department, and they could not explain why the 15 decease based on my dispute with the bureaus. 

My theory there's a conspiracy of keeping some consumers in a bind. I state this because, many times in the pass this issued happened where the bureaus would take from 10 to 20 points from my credit report, but when any errors or corrections take place, they would issue maybe 1-3 point in  return ; which is bogus.I am very disappointed regarding how this is going for me. My social security number was compromised in XXXX, and its has taken me over 15 years to rebuilding due to Government listing my social security number on a unemployment form that was mailed to my resident ; and I am continually fighting to keep my credit in good standards. 

Please look into this matter. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. BK OF AMER XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX : XXXX, XXXX : XXXX, has violated my rights. 

XXXX5 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 2022-12-07
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried multiple times this year to open a virtual wallet account both online and in the branch to no avail. I was told I had a previous account that I needed to pay off, and have done so nearly a year ago and yet I still can not open an account and no one know tell me why, I have pulled the credit report agency they use and there is no negative information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
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:
Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the NISSANXXXX LT XXXX within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Penn Credit Corporation
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the FDCPA 15 U.S. Code 1692a ( 2 ) communication is defined and means the conveying of information regarding a debt directly or indirectly to any person through any medium. Penn Credit Corporation is still reporting falsely on my credit report which is a form of communication that they are still trying to collect a debt not owed. This has caused me XXXX  and XXXX XXXX to the point it is effecting my work life balance. they can not communicate with me through ANY medium. remove your account from my credit report immediately your in violation of the FDCPA. 


On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on Ceasing communication. Pursuant to the FDCPA 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XXXX, XXXX XXXX, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe. I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation XXXX Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This XXXX XXXX XXXX Account was opened fraudulently creditor agreed to close and remove account from all three credit bureaus. I spoke to a representative ant XXXX XXXX XXXX and she informed me that they sent update to all three bureaus to remove the fraudulent 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 2022-08-09
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-06-26
Company: FIRST NATIONAL BANK OF OMAHA
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: Privacy issues

Complaint:
I hold a co-branded credit card issued by First National Bank of Omaha through XXXX 's guest rewards program. At XXXX EST on XX/XX/2023, I received an e-mail from First National Bank of Omaha from the e-mail address " XXXX ''. This e-mail for a statement contained personally identifiable information about another FNBO cardholder, a XXXX XXXX XXXX. It also included details about XXXX XXXX account, and financial details including the current outstanding account balance, minimum payment amount, and required payment date. At approximately XXXX on XX/XX/2023, I called FNBO at the number on the back of my Credit Card and notified them of the security incident and was assured that my information was being passed to the banks security team and would investigated. While I waited on hold with FNBO, their Phone System played a per-recorded message that my privacy was their top priority. I guess the irony is lost on FNBO. At approximately XXXX on XX/XX/2023, I received another e-mail, again from " XXXX ''. This statement contained similar information for another FNBO cardholder, this time for a XXXX XXXX XXXX. Both statements also appeared to be for other cardholders which held XXXX guest rewards co-branded credit cards. I called FNBO once again, to report this second security incident. I requested to speak to a supervisor, and the supervisor again took down the details of the incident and stated that this information would be passed to the security team. The representative was unable to provide me with any internal case number or reference to check on the status of my request, nor would they provide me with any timeline for when someone from the bank would be able to follow up with me or provide me an answer regarding these two security incidents. You can find attached copies of these messages, including header information. These communications have since been deleted from my inbox and local copies removed in the interest of these individuals privacy.

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 2021-12-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : AMEX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I noticed that a recent credit report of mine included a thirty ( 30 ) day late payment that was reported on XX/XX/2021 and posted to my credit report on XX/XX/2021. This remark is in conjunction with a payment that was due to United Wholesale Mortgage ( UWM ) on XX/XX/2021. The payment of {$2200.00} was made on XX/XX/XXXX, however, the payment was reversed due to a bank error that I was never notified of on XX/XX/2021, just three ( 3 ) days before my next payment due date. This left very little time for proper notification and correction, as once a payment is thirty ( 30 ) days late, it is to be reported to the credit bureaus. 

Had it not been for a lack of awareness regarding this issue, I would have a perfect payment history, one that I take very seriously. I truly believe that this does not reflect my credit worthiness nor my commitment to repaying my debts. 

I was never directly notified of any issues regarding the above mentioned payment by United Wholesale Mortgage. After becoming aware of the derogatory remark on my credit report, I spoke with someone from UWM via telephone who advised me that I was attempted to be reached via telephone, however, those phone calls were only made to the " primary '' phone number, which at the time was ( XXXX ) XXXX, which is not my phone number. I was then advised that UWM is not allowed to leave any voicemails, indicating that no information regarding the payment was ever or would have ever been provided through a voicemail. I was also advised that a letter via US mail was mailed to my home address on XX/XX/2021. To this day, I still have not received that letter. Even if I had, the likelihood that I would have received it before the next payment due date of XX/XX/XXXX is low. 

I take my finances very seriously. As soon as I became aware of this reversed payment, I immediately made a payment of {$4600.00} that included all owed amounts, including the payment for XXXX as well as XXXX, as well as the late fees and reversal fees associated. I have never missed a payment, ever. This is a terrible mistake that I sincerely hope does not have to follow me for the next seven ( 7 ) years. 

I filed disputes with all major credit bureaus as well as with UWM. I provided descriptive information to UWM that indicated the lack of notification, however UWM has failed to take responsibility and has stated that they will not change the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}

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