BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent 3 letters to Equifax. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a tenant at XXXX XXXX XXXX  in XXXX, AZ from XX/XX/XXXX to XX/XX/XXXX. The parent company XXXX contacted me 14+ months later, informing me I owed for unpaid co-op utilities & a cleaning fee. I requested documentation of their claim & did not receive it. They told me they have a " ledger '' & it shows the bill, yet this had no verifiable information only typed dollar amounts without my name, no apt , no dates, nothing. The cleaning fee was based on someone's opinion & I received no itemized breakdown. XXXX sent me to collections 2 years & 8 months after I moved out. The collection agency 's answer & reason for the LATE bookkeeping of {$350.00} due, was Covid-19,  according to their rep. I had a forwarding mailing address, the same phone # & email. My daughter who was also on the lease & present for the move-out, rented from XXXX in XXXX, AZ & after a year received her security deposit back. XXXX had access to both of us. The collection agency highly & negatively impacted my credit score, which was XXXX away from an XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: MS
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:
Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX  XXXX XXXX XXXX XXXX MS XXXX Please remove the following address ( es ) and names from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Address ID # XXXX My name is : XXXX XXXX XXXX Wrong Name : XXXX XXXX Name ID # 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 2023-07-13
Company: Experian Information Solutions Inc.
State: GA
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 Items 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, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your company broke the Law!!!! 

Your company is in violation of the following subsection of the Fair Credit Reporting Agency. 15 USC 1681b. Congress makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report. 

As a consumer reporting agency, Capital One USA Na used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Atlanticus Services Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I talked to them on XXXX and was assured everything would be taken care of removed and adjusted. 

NOTHING HAS BEEN DONE!!! 
They removed XXXX the fees and didnt up my credit limits to what it was before I paid it off. 
Annual fee also needs removed No one wants to help me get this taken care of. They just yell and scream transferring me around. 
One rep called and said everything was going to be turned to {$0.00} and the card work. That was a LIE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11
Company: EQUIFAX, INC.
State: LA
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:
I have filed three credit disputes with Equifax in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 25 hard inquiries and foreclosure or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Equifax responded to my last request. The response letter was dated XX/XX/2020. Equifax stated on pages 3 and 4 the following to each inquiry, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' They stated on page 5 that the foreclosure was verified and updated. This is unlawful and clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts must have original documentation or proof on file bearing the consumer 's consent. In this case, Equifax has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are merely avoiding the verification process. These are clear violations of the FCRA. TransUnion did the right thing and promptly deleted this same foreclosure that is in question. I have attached their response letter as verification. 
I have all the dispute letters, certified mailing receipts and response letters from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 2023-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second attempt of filing a CFPB complaint myself. The current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are open nor tied up and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise please help me correct these accounts immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00}.

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 2023-07-13
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:
This is my NUMEROUS 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 any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} Medical XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} 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 explanation
Consumer complaint received 2023-04-17
Company: Rozlin Financial Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I rented an apartment for 1 year. We moved out at the end of our lease, the landlord continued to bill us months beyond the close of the lease. 
Landlord did not return our deposits ( {$1600.00} ) Landlord is a well known slumlord and thief of deposits. 
Landlord then hires or sells the fraudulently manufacturered debt to a debt collection service ( XXXX  ). The landlord is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made two payments to my account and my premium didn't go down. When I called about the problem they said that when I applied for the loan that I must have hit the refinance button by mistake but it's nothing they can do about it. I asked them why would they approve a refinance on the same day that the loan was taken out on when it's not going to be beneficial to the customers. And all she would say is that it's something we offer to the customers. They are intentionally taking advantage of customers. I would like this company investigated and shut down. They said it happens all the time. Yet they haven't fixed the problem. Literally when you are filling out the application for the loan it's a button on the screen saying refinance and all you have to do is put the button and its done. No signature or nothing. It's very confusing because people think it's part of the loan process when they are just taking your money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

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 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 2020-04-10
Company: BBVA FINANCIAL CORPORATION
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
I filed a complaint for fraud charges with BBVA in XX/XX/XXXX and they issued a credit for the fraud charges on XX/XX/XXXX but then reversed them in XXXX without letting me know why. I have never received a letter with explanation about the resolution of the fraudulent charges. I have been trying to contact BBVA for more than two months and the representatives disconnect the phone call or tell me that someone from escalation department would call me back and the complaint was still unresolved and this is going on for more than three months. I also had sent their customer service department many emails without any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 belongs to someone else

Complaint:
This is my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Discharged XXXX : Bankruptcy Reference Number XXXX and 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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-03-03
Company: PNC Bank N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In mid-XX/XX/2016, I called PNC, after XXXX years of banking with them, to close my checking account ( I had moved across country and chose to bank closer to home ). I was told that I had to have XXXX transactions for XXXX days in order for the account to be closed. This seemed odd, as XXXX, where I also had a checking account, closed my account within five minutes. I have also not been able to find this XXXX policy in any PNC account agreement. Though I was careful to transfer over all my auto-payments, I requested that PNC reject any payments that might accidentally slip through. However, a direct-deposit that I was not aware of from an old job entered the PNC account, nulling the time of no transactions and re-starting the XXXX day period. During this second period of waiting XXXX days to close my account, XXXX, despite the fact that I had linked my XXXX account to my new bank account, accessed my PNC account for an XXXX payment ( I was told by a XXXX agent that even though I had switched my account with XXXX and that I was choosing to pay with XXXX, I had to redirect my payment directly with XXXX. I 'm still not sure about this policy ), thus nulling once more this XXXX period and generating an overdraft fee. Since I had already requested of PNC to reject all payments, I did not check my PNC account until weeks later, after which a couple XXXX dollars of overdraft fees had been generated. After hours of discussing this issue with PNC agents, one finally agreed to refund fees, but only half. PNC is holding me accountable for over a XXXX dollars of fees that were generated after they refused to close my account when I requested, and to reject payments after they agreed to do so. I have called two separate agents directly in the Retail Escalations department, and neither have returned my phone messages for two weeks. My account is due to be sent to collections, all because PNC would not close my account upon my request. I am not responsible for these fees, and I simply want the account closed. I had a great relationship with PNC for over a decade, all of which has been nulled from this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
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 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 explanation