BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/XXXX, I, XXXX XXXX, pulled my credit report and found several inaccuracies. On the same date, I faxed over dispute letters as well as sent them physically by mail. Unfortunately I have had little to no success with the removals of these incorrectly reporting items. I have not received any correspondence from the bureaus electronically nor by mail. Upon calling the number for the credit reporting agency, I was bounced back and forth between agents who were not willing to assist me but instead continually placing me back in the que for another agent to do the same, a vicious cycle. Repeatedly and consistently, I have sent letters and faxed letters every 30 days although I am not receiving any response. XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, are the dates I have contacted this agency to no avail by mail, fax, and phone. They are beyond their limits to provide proof of the are beyond their limits to provide proof of the validation and the method of validation as requested. All inquiries unauthorized listed in the letters attached as well as the accounts, have received no response as far as the outcome of the investigations or if there was an investigation that took place. I have been left in the dark this entire time throughout this investigation and no proof of ownership of any accounts in dispute has been provided and they have been unwilling to remove countless unauthorized inquiries nor provided proof that any of them were authorized by me which they were not. To be noted, Bankruptcy Validation letters were sent twice, over one month apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: AMERICAN EXPRESS COMPANY
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:
when checking my credit report there was some fraudulent accounts on my credit report I will like for these items to be removed asap!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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 status incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

*USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!! 

XXXX XXXX UNVERIFIED ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Account XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted BOA in regards to disputing transactions after my debit card, dl and items were stolen. I had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I noticed a payment was declined, checked my account seen my account was drained. Charges range from XX/XX/XXXX XX/XX/XXXX. I called bank, disputed charges. I faxed police report, other items where someone opened a account with chase bank, Car I, XXXX XXXX. Bank of America said they had not received. They denied claim. I called again, faxed papers again. They reopened claim, I called for days asking if they received, each time a representative told me something different. I have the recordings from each of the representatives. Then after a day and half of reopening the claim, they deny claim yet again. In the meantime I have started calling the merchants to dispute from them, they all are stating they did not receive a dispute from bank of America. A few I called tried to reverse payment, but was denied from Bank of Ameica. I have been in contact with Legal Aid, however everything takes time.

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 2018-10-09
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is a scammer company that will charge from your credit cards without any permission from you. I paid {$4.00} one time fee to dispute some credit report errors without signed up for any free trials or wish to become a paid membership, then I got charged {$14.00} on my credit card for the paid membership monthly fee that I didnt sign up for. This is a straight up robbery!

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 2023-05-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a credit card with Home Depot for a few years. I needed to fix my home up and it was best option at the time when I signed up. I make my payments monthly as agreed, over the amount required. I've never missed a payment since opening the account. My interest & fees is around {$86.00} which doesn't make sense to me. My minimum payment is around {$29.00}. I pay at least {$100.00} each month towards it. I am XXXX XXXX XXXX and receive a fixed income through the government.

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 2020-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX OF 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 2023-07-20
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following accounts are not accurate and are affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ALL " Dept of Ed/XXXX  '' accounts ALL Inquiries need to be deleted!!

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 2022-04-02
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an eye exam with XXXX XXXX XXXX in XXXX, CA in 2017. They told me that I needed XXXX XXXX XXXX XXXX XXXX and was sent to XXXX in XXXX, CA for the XXXX XXXXXXXX. The billing department at XXXX called my husbands vision care provider XXXX XXXX  for an approval and was accepted. After I had the XXXX, I think I received a phone call from XXXX billing department telling me that the insurance did not cover the procedure. I do not agree with the balance because I was misled by XXXX and agreed with the XXXX  because they told me that the insurance company would cover most of it and I would only be responsible for the deductible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In response to capital Ones " position '', You Capital One stated " After conducting a review of your account, we made the decision to suspend and close your account on XX/XX/2021. We appreciate the additional information youve provided ; however, after further review, we can confirm that our decision will not be reversed. Please be assured that the decision to suspend and close your account was based on business concerns that did not relate to your credit worthiness. '' Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Capital One utilizing my account in anyway without my permission an I have no benefit. Your customer agreement does not trump federal law and any federal judge will agree in the court of law. Why is Capital One sharing my private account information without my permission which is not only a violation of 15 usc 1602 ( p ) but also a violation and breech of my privacy as a federally protected consumer and natural person. As a courtesy I will forward all correspondence, violations of FDCPA, TILA and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices. I will have your state attorney general launch an investigation into your unauthorized use of my account and personal information that you have shared without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit reporting agency is reporting late payments on an open account that was never late. According to 15 U.S. Code 1681a ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. The institutions that are reporting late payments are preventing me from being extended credit and or being able to purchase a home.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX DPT EDXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 2023-08-23
Company: EQUIFAX, INC.
State: MA
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 this complaint is not made in error neither is it being made by a third 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

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 2022-04-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried to open a Wells Fargo deposit account I received a letter from Wells Fargo. On XX/XX/2022 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 2023-10-13
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have tried three times since XX/XX/2023 to get a pin number so as to be able to make ATM transactions on this new credit card account. XXXX XXXX XXXXXXXX XXXX has not sent me one as of todays date, XX/XX/2023. I Have called them three times ( Since XX/XX/2023 ), and requested a pin number to no avail. I Have a right to receive a " PIN NUMBER '' in order to make certain transactions from ATMs. IT is bad business to deprive a paying customer of a tool that is needed to use one of their products unless evidence suggest it is not in the companies best interest to do along with a letter of explanation which said customer has not received.

Company response to consumer: Closed with non-monetary relief