BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX 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 XXXX XXXX XXXXIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I usually pull my reports on a daily basis using XXXX XXXX and on XX/XX/2022 I noticed a hard inquiry on my TransUnion report from a XXXX XXXX. I immediately contacted TransUnion and was told that they were aware of this problem and that it would be corrected and removed by XXXX XXXX, which it was. In the process my credit score was dropped by XXXX points because of inquiry and as of today, XXXX XXXX, TransUnion has refused to correct my score. I have contacted XXXX and am just given the run around. 

FYI : during my initial conversation with XXXX I was told that this error happened to many more people other than myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: IL
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:
equifax has got this complaint since XXXX and still hasnt done anything they told me all these things were deleted from my credit report but there still on there 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  let me add i was nrver offered a card from XXXX XXXX  and all i have is 2 cards from XXXX so they need to correct my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i sent my letter out on XX/XX/XXXX to Experian, XXXX, XXXX. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MI
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 been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX/XXXXXXXX

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 2022-11-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting ten CFPB complaints and six dispute letters requesting that you remove the fraudulent accounts and information that are being reported on my Credit File! You have been stubborn to not remove the disputed items completely from my Credit File and yet you have been claiming that the disputed items have been verified. Under the Fair Credit Reporting Act section 605b, you ( The Credit Reporting Agencies ) are required to remove any accounts and information that resulted due to identity theft. Despite the numerous attempts in having the disputed items removed, you have been persistent with your claims that these items are verifed, and yet you have not sent me any copies of proof of verification that resulted from your supposedly investigation. Once again, I am requesting that you remove the following items immediately : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$390.00}. I have informed my legal council about my situation and they are willing to help me resolve this matter in " legal ways '' possible. If it is not too much to ask for, please remove the disputed items immediately.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: NC
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXX/XX/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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, I sent letters to the three national reporting agencies, XXXX, XXXX, and TransUnion regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the DMV and proof if address. TransUnion responded saying they would not move forward because they did not believe it was me. XXXX and XXXX totally ignored the letters and I received zero feedback.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: AZ
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:
sent 609 and 611 letters to original creditors and credit bureau for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies.

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 2023-11-19
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 recently looking at my credit profile, I noticed there were inquiries on my report that was not done by me. Either the inquiries are fraudulent or attached to the wrong 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I was working at XXXX XXXX  but when I tried to deposit my money to my bank account it said my account was froze I did everything to resolve the issue but the permanently closed my account and said I had to wait 180 days but wouldnt tell me why it just says that the agreement wasnt meet by I was only doing legit business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I purchased air ticket to my sister XXXX XXXX airline via PayPal pay later option. Details are following PayPal Loan Agreement date XXXX Loan Account No : XXXX ( Attached your reference ) XXXX XXXX Travel Voucher XXXX Ticket no : XXXX Passenger Name : XXXX XXXX XXXX, XXXX Passport No : XXXX She didnt used XXXX XXXX air ticket and I purchased XXXX XXXX air ticket via PayPal pay later option. 
Details are following : PayPal Loan Agreement XXXX Loan Account No : XXXX ( Attached your reference ) I am keep contacting both parties PayPal and XXXX XXXX requesting my refund I am not get any faire resolutions XX/XX/2023 I called PayPal customer service XXXX ( PCT ) and customer service agent XXXX treated me very unprofessional and I asked her to transfer to manager and XXXX XXXX ( Payment and Dispute XXXX ) also not helping at all. 
I called XXXX XXXX and they asking me to provide PayPal Letter head indicate saying that PayPal didnt issue any refund or charge back. 
Please help me to get refund as soon as possible. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}

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 explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. My personal information was compromised and a fraudulent charge were included on my account without my consent or authorization. 
I sent this company my dispute letter on XXXX with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action. 
For yet XXXX last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.

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 2023-12-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently traveled abroad and utilized my TD credit card, which boasts no foreign transaction fees when I signed up for the credit card. I have returned and checked my statement to find multiple foreign transaction fees. I have reached out to the Credit Card Client Services and they initially claim that my card has foreign transaction fees. 

After further digging, the agent found that the terms and conditions of the credit card were updated as of 2021, but no formal notice/mail was sent to me. I was unaware any changes were made to my credit card. The agent stated that this information can all be found on the website. Still, I explained that I do not believe it is the consumer 's responsibility to check the website daily for updates to my credit card 's terms and conditions. These unethical practices were just the beginning of the nightmare. 

The agent did not attempt to resolve the issue but kept insisting that I go to a local branch for resolution and refer to the website for the updated terms and conditions. I am unable to make it to the physical location due to a medical condition, which is why I am reaching out to the Credit Card services via phone. When I asked to speak to a supervisor, she acted as an intermediate and dictated what her supervisor had said. When I wanted to file a formal complaint as the agent did not try to resolve any of my issues, she only provided me with her first name and no other identifying factors such as employee number. Additionally, I asked for the supervisor 's name whom she has been communicating with and she refused to provide it. Furthermore, I had asked to transfer to the complaint department and she said it was non-existent. Another 10 minutes go by and she provides a mailing address where I could send my formal complaint. I asked her to stay on the line while I verified and found inaccuracies in the address she provided. She made no further attempt to refute the address. 

The inconsistencies and misrepresentation of TD Bank with the credit card services and customer service agents have left me appalled by the business practices of TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Synovus Bank
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
VICTIM OF IDENTITY THEFT. 

ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. 


I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Saturday, XX/XX/2022, around XXXX XXXX  we ( my husband and I ) checked into the XXXX XXXX XXXX on XXXX XXXX  XXXX, XXXX Texas XXXX. We left our bags and went back to our brother in laws house. We returned around XXXX XXXX  with our children and grandchildren. We started to give them baths ( no showers ). The manager came and knocked on the door. He stated the room below us was flooding. We allowed him to go in. He checked the shower, flushed the toilet, and left. 

Upon check out ( XX/XX/2022 ) we asked for an invoice and he refused to provide one. We called the police and they obtained an invoice for us, we saw the charge for a broken showerhead. We reached out to our bank to dispute the charges and provided pictures. Our banking institution wrote : " It's unfortunate, but they stayed there and broke the shower head which caused the damages. '' Not only did our bank fail us by remaining neutral they also condemned us by stating we did something ( broke the shower head ) that we did not.

Company response to consumer: Closed with explanation