BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: HI
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiries reported in my 3 credit Bureaus credit file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: SC
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:
n accordance with the Fair Credit Reporting act 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 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 2020-05-12
Company: EQUIFAX, INC.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried disputing several addresses on my credit file that don't belong to me. There's an address belonging to my parents that I've transferred my mail to in the past while I was in the process of selling my home and moving to my new home. I have never lived or applied for credit at any of the address, however, they will not allow me to dispute or remove them.

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 2023-05-26
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEMS XXXX INC. WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM. ALSO STATED : Account/Reference No. : XXXX, SELLER : XXXX XXXX. You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt. I have no tacit agreement nor any privity of contract with you and/or THE ABOVE MENTIONED FIRM. JEFFERSON CAPITAL SYSTEMS , INC. IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE OF ANY CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX INC. 'S CLAIM IS UNSUPPORTED BY AFFIDAVITS AND DEPOSITIONS AND IS INCOMPLETE. THE CLAIM IS HERESAY. JEFFERSON CAPITAL SYSTEMS , INC. ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES. FURTHER STATED : JEFFERSON CAPITAL SYSTEMS , INC. IS ATTEMPTING TO FURNISH THE CREDIT REPORTING AGENCIES WITH FALSE, FRAUDULENT, AND MISLEADING INFORMATION, RESULTING IN A MAJOR DECLINE OF MY CREDIT SCORE, RESULTING IN DENIALS FOR CREDIT. THIS IS A DIRECT VIOLATION OF THE FDCPA AND [ FCRA 1681b ] WITH REMEDY UNDER [ FCRA 1681n ]. ACCORDING TO THE PUBLIC ACCESS TO COURT ELECTRONIC RECORDS ( PACER ), JEFFERSON CAPITAL SYSTEMS , INC. HAS BEEN SUED NUMEROUS TIMES OVER THE LAST TWO YEARS FOR DEBT COLLECTION HARASSMENT. THIS IS PRIMA FACIA EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). THERE IS NO PROOF TO THE CONTRARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My son a minor has a XXXX XXXX Account opened XX/XX/XXXX, which is protected by law not to allow any withdraw of funds until he turns 18 years of age. The Bank of the West which is now BMO of NA is withdrawing service fee of {$5.00} every month. I called customer service numerous times to be told that this is bank policy. I demanded the bank stop the service fee withdraws and to refund the already {$35.00} of debited service fees. At this rate, the account will be depleted of funds before my XXXX turns XXXX  years of age. I was told by customer service that there will be negative funds and penalties if the account goes below XXXX balance. 

Please, assist me to protect my XXXX by law from such tactics. This type of account was created to protect children and their hard work by Coogan Law. 

I'm attaching a Court case " XXXX XXXX XXXX  XXXX XXXX ( XXXX ) '' which demonstrates that this is illegal to do by the Bank.

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 2023-07-06
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: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of 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 2023-05-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Dear CFPB : I am writing to you concerning a major problem Ive had with the bank I use, Truist. Originally the bank was Suntrust, which last year merged with BB & T and became Truist.

In Suntrust I had personal checking, savings, business and money market accounts, a CD + two credit cards. The bank was easy to work with. Once it became Truist its been impossible. 

On XX/XX/XXXX I had emergency XXXX, was in the hospital for 10 days, had XXXX  XXXX XXXX   throughout the summer, two more times in the hospital, another XXXX in XXXX and recovery through all of fall. 

One credit card was due on the first of the month and the other on the seventh. Being in the hospital in XXXX I knew I was late on the payments and after I got out I called XXXX to pay the bills and explain why they were late. The man I spoke to suggested joining a program they had to pay your cards and it lowered the interest down to 3 % called the Work Out Plan. It wasnt explained well and said he would send the information and kept asking me to join it. Not feeling well or understanding this plan, I agreed to join since the interest was so low. 

I opened the XXXX website to look up the Work Out Plan and there was nothing about it. The plan set me up with paying {$83.00} per card each month. I was skeptical. Who was I paying {$83.00} per card to? 

I received a letter from XXXX dated XX/XX/XXXX telling me they closed a credit card with the last 4 digits of XXXX I didnt recognize. In calling the number on the letter many times someone finally found that the number was from XXXX. 

I received another letter from Truist about their closing another credit card with the last four digits of XXXX I didnt recognize and that one was also an old card from XXXX. 

Although this lowered the interest rate it lowered my credit score from XXXX to XXXX in XXXX XXXX and in the upper XXXX in XXXX. I contacted Truist by phone + went to one of the branches many times the get out of this, but I kept being told that once you sign up for this you can not get out of it. 

I filed complaints to XXXX, XXXX, XXXX XXXX and the Attorney General of the Commonwealth of Virginia who told me to contact CFPD.

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 2023-10-18
Company: EQUIFAX, INC.
State: SC
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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  Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion ignored the first correspondence that I sent which was the Power of Attorney and Affidavit of Truth, this suffices as confirmation of IDENTITY and MAILING ADDRESS. I am sending these attachments again. They did not remove inaccurate addresses on my consumer report, they did not send me a mailed copy of my consumer report with the updated changes, as I directed them to do so.

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 2023-05-25
Company: TRANSWORLD SYSTEMS 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 received an email from XXXX on XX/XX/23 regarding an attempt to collect a debt from me for a XXXX Credit Card account. I do have an account with XXXX but knew it was current. I immediately checked my account and my credit report. My account details do not match the account information provided by TSI. This is a fraudulent attempt to collect money from someone when I have nothing in collections. This company has a HORRIBLE reputation from scamming individuals and I will not fall victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged {$200.00} due to a promotional balance expiring while I was in a financial hardship due to Covid-19. I was under the impression that though interest would accrue on regular purchases, promotional periods should have been extended during this unqiue and tough time for customers. 

On XX/XX/2020, I sent a message requesting Covid-19 assistance and to inquire about the extension of the promotional period for a promo balance that expired XXXX and had a balance left of {$93.00}. Despite my hardship during this pandemic I managed to make a payment of {$94.00} by XX/XX/XXXX and was advised XX/XX/2020 that if I had a deferred interest promo expiring while I was receiving Covid-19 assistance the promotional term would extend by 2 months. With most creditors there is often a 30-day grace period given after a promotional balance expires to allow the customer to get it paid off within one month and avoid the bulk interest, which I inquired about as well. 

After SEVERAL weeks that has now turned into now 5 months of trying to correspond with them we have not come to a resolution. I keep getting generic form messages that don't address the questions I've asked, or the answers do not acknowledge the fact that I DID pay off the balance within 30 days of the promotion expiring WHILE " supposedly '' being approved for 2 months of Covid-19 assistance AND may have been charged interest ON interest because it's unclear if the interest I've been charged since is based solely on the purchases I made in XXXX or on the total balance due, of which {$200.00} of that is interest from the promotional balance.

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 2020-08-10
Company: EQUIFAX, 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.fsnb, na XXXX {$500.00} XXXX XXXX- XXXX {$160.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX {$350.00} XXXX  XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX  XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Greetings Senators XXXX, I write asking that you assist the XXXX XXXX  to access mortgage lending opportunities. Rates are so remarkably low, to attract the attention of all, UNFORTUNATELY, self employed are shut out. I am the XXXX XXXX of my XXXX XXXX and am considered XXXX XXXX with a 4.375 % fixed 30 ( 6 years old ) ( $ XXXX mortage, {$1.00} XXXX equity, XXXX XXXX  ). I am told anyone with more than 25 % of an XXXX XXXX is considered XXXX XXXX  and banks are not lending to XXXX XXXX. The US mortage market needs help senator. Your consideration of this matter is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXXXXXX 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 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 2020-11-10
Company: Experian Information Solutions 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:
On XX/XX/2020 XXXX XXXX XXXX placed an inquiry on my report. I responded to a Pre-Approved offer by Experian that stated that my credit report would not be effected. I did not authorize XXXX or Experian to place this inquiry in my report. Although Experian guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting XXXX numerous times by phone but no one answers to my calls.

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 2021-03-31
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We tried to refinance with Mr. Cooper starting in XXXX of XXXX. It took over 3 months, a {$650.00} appraisal fee and the week of closing after receiving the Closing Disclosure in XXXX ; they pulled the plug on us and said they wouldn't complete it because we owned our business ; even though our debt to income is under 25 % and our scores are over XXXX. This surprise never should have happened at the XXXX hour. If there was an issue, it should have been disclosed early on in the process. During this time, interest rates increased .25 %, causing over {$5000.00} in additional interest costs over the new loan. XX/XX/XXXX was the last time I heard from our sales rep, XXXX XXXX, stating that we would have to go FHA which increased our interest rate and closing costs thousands of dollars. All reps including managers XXXX XXXX XXXX XXXX XXXX declined to return any of our phone calls. Now they have our application rejected and removed from our account. Their customer service is terrible and their incompetence & delay costed us thousands of dollars. We are in the Real Estate business and this sort of thing should never happen to consumers. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX a credit collection company listed a collection account to credit reports and I have not recieved any written communication from said company. Therefore I have not been given the right to a 30 day dispute period that is required by law.

Company response to consumer: Closed with explanation