BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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:
Yes, this was me disputing your non-compliance. So, I am sending it again so they can publish it on the government websites. I also am including a copy of my driver license and utility. That I have mail to you 5X but you keep reporting it been updated. I have also included a copy from the FTC. What I sent to XXXX XXXX XXXX about identity thief.I have been dealing with this issue for sometime. With Experian, XXXX and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX  to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items  must be removed that are listed below. ( I have attached the letter I sent to XXXX  requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX  didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX  deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is XXXX XXXX all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a homeless veteran.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It has been a battle going through this and I am sending a complaint today to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor items. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : TRANSUNION : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX gave me two account numbers from Bank of America to get the money he borrowed from me back. After I started to get the money into my account, my bank blocked my account, and then when I called my bank, they told me that my account was at a negative XXXX dollars because it was a bad check. I would like for Bank of America to look into the accounts because it is upsetting. I want to know who the bank account belongs to, and I also want this person to get arrested for fraudulent this is awful. The bank accounts ' routing number is XXXX account is XXXX and the other one is XXXX. I would like for bank of America to get to the bottom of who that person is who's scamming hard-working people. It happened in XX/XX/2020 2020

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-04-08
Company: EQUIFAX, INC.
State: FL
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 XXXX Account number : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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:
In XX/XX/2020 I sent XXXX and Equifax a 609 Letter/ Dispute advising the items on my credit report was incorrect and advised these two companies I had no contract with these companies and to show proof there was a contract with a Wet Signature proving I signed a contract with these companies and if nothing was provided to removed these negative items from my credit report. Contract Makes The Law ... ... .. No contract no obligation. This is clearly FRAUD and the credit bureau continues to report fraudulent information to my credit report.. They are not doing their job or due diligence. 

XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I took out a Perkins loan to help pay for XXXX school at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. After graduating I landed my first job XX/XX/XXXX at XXXX XXXX XXXX XXXX as a full time XXXX XXXX ( XXXX ). I worked at XXXX XXXX XXXX XXXX until XX/XX/XXXX. With no lapse in employment, I changed jobs in XX/XX/XXXX and  began working full time as a XXXX XXXX ( XXXX ). In XX/XX/XXXX I applied to have one year cancelled from my perkins loan through Heartland ECSI since I was coming up on a year ( XX/XX/XXXX ) being employed full time as a XXXX. I received a reply from ESCI stating that I was not eligible to have the cancellation processed because I am a XXXX XXXX. It stated that I needed to be employed for 12 consecutive months in order to have the cancellation. I called Heartland ESCI after receiving the notice to find out why. They stated that I needed to send proof of being employed full time as a school nurse for 12 months. My contract with the school stated that I was employed from XX/XX/XXXX until XX/XX/XXXX ( see attached file ). I then faxed a copy of my contract from the school showing that I was employed for 12 consecutive months. I was denied again. I called ESCI again to find out why and I was told that because I have the summers off as a school nurse, that I am not eligible and that I needed a letter from the superintendent stating that I was employed full time for 12 months. The original application that is signed by the superintendent and had the official school stamp stated that I was employed full time ( please see attached ) and even if I had summers off, I worked full time as an XXXX from XX/XX/XXXX to XX/XX/XXXX with no lapse in employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Date : XXXX TransUnion XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : XXXX XXXX XXXX Inquiry made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXXXXXX XXXX made on : XX/XX/2023 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of deletion

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Freeze was removed from account by a bad actor who apparently changed the login information for Experian. They provided me with access to the account when I was notified by a creditor of an attempt to get credit in my name. I changed the information back and updated the password. The issue I have is that we could not turn on Multi factor authentication. Then overnight the information again was changed by a bad actor. When I called back, they could not get me back into the account and only offered an escalation with a call back sometime in the future. I am concerned with the weak security posture of Experian and the ability of someone to change information in their system without any confirmation or notice to the existing email or an MFA notification. 

For an organization that I have no choice to engage with, to have such a poor security posture is a disservice to everyone who needs to use the credit system.

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 2018-03-21
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2017, I requested validation from XXXX XXXX regarding a collection they are reporting with the three credit bureaus. As of this day they have failed to validate the alleged debt they are attempting to collect. Since they continue to report this to the credit bureaus and have failed to validate the debt they are in violation of the FCRA and my rights. I've sent the attached certified letter with return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: PNC Bank N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
my brother stole my credit card, i own a fence business and had my brother working for me, well i guess he would get my card use it then put it back and kept doing this for i dont know how long, i only get my bank statements every 3 months so when my secretary was going over them she noticed all these that she knew i wouldnt never use she ask me and i went to my bank PNC in XXXX NC so i told them what happened she told me she would dispute them well a few days later i call she tells me they deny it. I call customer service to PNC and the woman there told me she must not have wanted to do her job, was very nice and we disputed them again, along with the mugshot of my brother in XXXX XXXX XXXX  and along with a police report, my brother also stole my company truck and some tools, so again i waited a few days called back they denied it again. I know for a fact that i did not authorize or do these transactions that i have disputed and i need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX****Balance : {$0.00} XXXX XXXX  XXXX****Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX*Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 5 accounts with capital one. I called to make payments over the phone. My internet was out for over a week. I explained this, however my bills were due on XX/XX/2020 so I was still on time. Rep took payments and sent me e.mail confirmation which says XX/XX/2020 XXXX XXXX I have a screenshot of my call log as well. I went to pay my other 2 bills today, XXXX, XXXX 2020 Fri, and Paid and it said it would post XX/XX/XXXX. every account has a late fee.. I talked to 2 people and a Supervisor XXXX, she says XXXX. She refused to let me speak to another manager. I am an essential worker, I work until about XXXX XXXX  I pay my bills the date it is due .. they are saying there is a cut off time.. my bill says the XXXX,,, there is no cut off time and the XXXX is the XXXX until XXXX  until it is the XXXX how is this legal? integrity issues and rip of scams how is this allowed..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notification from XXXX XXXX XXXX regarding a new account being opened in my name. I checked my credit report and there was an account from CB Indigo/GF opened on XX/XX/23 found on XX/XX/, that had a balance of {$130.00}. I contacted the company with the number provided on the credit report and spoke with a representative, informing her that the account did not belong to me, she asked questions and verified that the address on file was not my address and would initiate a fraud investigation. She instructed me to file a complaint on this site and it would take them approximately 60 days to investigate and remove the account from my credit report. The contact number for CB Indigo/GF is XXXX XXXX ) XXXX. Thank you for taking the time to look into this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There is a name on my credit report of XXXX  XXXX. I donot recoginize that name or ever used it. 

2. Experian web site is broken, they force us to go to your site for help. 

3. XXXX XXXX  dealer services should say ok on the payments. The other two credit reporting agencies has corrected this, but Expeirian wants to be hard nosed and not correct it.

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 2021-09-03
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a mortgage application to U.S. Bank in XX/XX/XXXX to refinance my home, and paid an application fee of {$390.00}. As of XX/XX/XXXX, US Bank was still requesting updated versions of documents that had previously been provided ; as well as documents that aren't possible to obtain. Example : They requested a " bank statement '' to cover a period that ended in the middle of a month. Actual statements are only available following the end of the month period, so I provided a month-to-date transaction report. 
I believe that the persons handling my loan application were incompetent, and the firm as a whole was too busy to actually process my loan, since my approval kept expiring - thus the reason I would have to provide updated documentation. 
I stopped the process in XXXX and requested a refund of my {$390.00} application fee in XX/XX/XXXX. I believe my application was not accepted in good faith and would never have been completed. 
The Loan Assistant XXXX XXXX has responded by email on three different occasions stating that she is working on my request for a refund, but nothing has happened despite my many follow ups.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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