BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a 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 2022-04-19
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After being on a COVID relief plan for 18 months, I was presented by USBank with the option of extending payment deferments. I opted to continue for an additional month at which time I inquired about resuming payments. I was informed that I would then need to submit a loan modification application, which I thought was part of the normal procedures associated with COVID relief. After numerous phone calls, I was informed that the application was under review with an underwriter and a decision was pending. After a total of 2 months, I was given a letter stating that my only option was to pursue a short sale. It was not my intention or desire to lose my home after being on the COVID relief plan. It was never made clear that by extending beyond the 18 month deferment, that I would now be under Loss Mitigation, and would not be eligible for the protections provided by the Relief Plan. The only option provided other than the Short Sale was to make a Reinstatement Payment of approximately {$100000.00}.

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 2022-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The BK OF AMER XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

BK OF AMER 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 2019-03-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written several times asking for VALIDATION and PROOF that I applied for and own. XXXX XXXX credit card. I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX   on behalf of XXXX XXXX. 

If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has come to my attention that there is information in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me and the consumer ; 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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 non-monetary relief
Consumer complaint received 2023-05-15
Company: DFC Global Corp.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collection agency suddenly appeared on my credit report XX/XX/XXXX. At first I didn't recognize this debt because of the absurd amount that it reported owe. The debt collection agency is XXXX XXXX XXXX XXXX. The amount they are reporting is {$7800.00}. I disputed this XXXX times. I have never received anything in the mail, or call regarding the debt. It took my a while to figure out what debt they were referring to. When I found the initial loan document, the amount financed was {$1500.00}. I am not sure how they came up with the amount of {$7800.00}. I disputed both with XXXX and XXXX, but XXXX XXXX XXXX is confirming that they have the correct information. I disputed on XX/XX/XXXX and XX/XX/XXXX. They have yet to justify the amount hey are claiming I owe, even though I have sent them a copy of my initial loan document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a personal credit card in Chase Bank. I have used promotional APR for balance transfer, so I have lost my grace period for purchases. 
The due date is XXXX of the month. 
On XX/XX/XXXX I have paid XXXX dollars of minimum due for the previous statement. 
On XX/XX/XXXX I have made XXXX purchases with total amount of XXXX. And after XXXX XXXX on XX/XX/XXXX, I have made a payment of XXXX dollars. But this payment was applied to balance transfer amount ( which has promo APR 0 % ), not to purchase ( which has APR 23.99 % ). Chase Bank employee told me that I had to wait until statement and only then and after minimum due payment I can pay the purchase amount. 
I believe it's not fair. After the bank starts charging interest, client should be able to cover his purchases with additional payments without waiting for the end of billing cycle. The current practice of Chase Bank is taking advantage and violates the rule of excess payment application on the highest APR balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with me or any transactions I've done or authorized to gain products, services, or money. 

Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$770.00} 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 2021-01-27
Company: N.A.R., Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX from North American Recovery was contacted. First of all, she was rude, but I guess that is expected. She stated the amount owed was XXXX. XXXX also stated there is no interest being charged to the account. Which is great, however, the ending balance for this account was XXXX. There also seems to be interest added of XXXX. I told her that we have not gotten any correspondence since 2016. She said that is not a problem that she can send us the new information via mail or email. I asked for both. I never got an email from her and I am still waiting on the information in the mail. 

XX/XX/XXXX, XXXX XXXX from North American Recovery was contacted. She was also rude. She also stated that a settlement can not be reached due to company policy. I asked her about why we are getting interest of XXXX when no interest is being charged on the account? She could not give me a straight answer. I asked to speak to a supervisor. She said that is not a problem. At XXXX she asked if we can hold for a supervisor? I of course said yes. I waited on the phone until XXXX with no resolution, and I was not able to talk to a supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was told once I pay in full that yall would remove and delete off all XXXX credit bureaus and I see yall didnt keep yall word but I paid and yall closed the account as paid and closed but yall didnt delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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 Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # 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 XXXXXXXX Address 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 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 2017-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have my checking account with Bank of America.     I have a payday app on my phone called  XXXX . I use this app when I need more money.      XXXX  on my phone has to basically dial in to my checking account and pull banking information such as direct deposit, ACH of funds and Current Balances.      XXXX  has repeatedly has had instances where it can not pull current information form Bank of America to function properly.

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 2023-08-12
Company: United Funding Logistics, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This company took money for services not rendered, there was never any work done by them at all. They promised on their website, conference call and numerous advertisement that they will dispute negative information after the fee was paid and nothing was done. I am seeking monetary damages, a complete refund of monies paid and a formal apology from the company. CFPB I urge you to fully investigate this matter. 

I am also in the process of contacting the office of XXXX XXXX Director of the Consumer Financial Protection Bureau For accuracy the company info is below Contact Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Visit Website ( 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 2023-05-15
Company: Experian Information Solutions Inc.
State: DE
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 disputed these items they are not mine and I need them removed now. I have excellent credit but this company is reporting false information on my credit and won't remove it. The companies that I am requesting to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEED THESE ACCOUNTS REMOVED IMMEDIATELY. These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist rewards were not posted to my Truist checking account according to their contractual obligation. On Monday, XX/XX/2022 I initiated a rewards transfer of cash to my checking account. The Truist system auto-generated a response that the cash would be available in my checking account by XXXX the next business day ( XX/XX/2022 ). Today is XX/XX/2022 and the rewards have not yet posted. I contacted Truist twice and I was told " Leadership is aware of this problem and is working to rectify it. '' Meanwhile, I made commitments to pay my bills from my checking account based on the Truist response that funds would be available by Tuesday, XX/XX/2022. Now I can not fulfill my obligations. Please investigate.

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 2023-05-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXXXXXX XXXX ( Please validate and correct ) XXXX : XXXX Experian : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MIDLAND CREDIT MANAGEM ( XXXX XXXX XXXX XXXX  ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Also, this account was not stated in the other Bureau. You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. 


XXXX reported normally. 
I've called Transunion a total of 30 ti
mes asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XX/XX/XXXX Transunion informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. 

Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time.. 

At the end of XX/XX/XXXX XXXX received a email from Transunion Hello XXXX, The account ending in XXXX was deleted in XX/XX/XXXX and is not able to be reinstated.

If you have any further questions, please contact us at XXXX. 

Thank you, XXXX XXXX Customer Service Representative TransUnion XXXX XXXX XXXX XXXX XXXX Pa XXXX Tel : XXXX Fax : XXXX XXXX This is completely unfair I've been put in a run around for a months! Just add the account please. 

I was told by Transunion I can not add the only person that can report on my credit report is a creditor. So the creditor tried to add over 7 times .. Then they tell the creditor, XXXX they can not add it. 

This creditor is a legitimate reporter. The account is legit that belonged to me a account I just paid it off RECENTLY XX/XX/XXXX not XX/XX/XXXX. I paid this account EVERY SINGLE MONTH ON TIME, and they should be allowed to report it especially since no one is disputing it and it belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation