BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: MS
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 sent multiple letters to Equifax. I received a copy of my Equifax credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: MA
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:
CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account XXXX pull my payments history made to them from there financial app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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 to 15 USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.0XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXX XXXX  Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

15 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Between XX/XX/2023 and XX/XX/2023, Webster Bank planned to implement system upgrade and all accounts were not accessible to all of their clients, including me. Webster Bank said that access to my account would be restored today, XX/XX/2023. 

I was unable to log in today and access my account online and also through their mobile banking app on my phone. I called the customer service line and was on the phone with the representative. She was unable to help me and said that my account sill needed to be " set up '' for access and she would initiate that process. She said that it would take three days. 

I need to access my account right away. Them having to shut down access for the weekend for the system upgrade was inconvenient and not ideal, but I accepted it. Them not being able to give me access to my account for another three days is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Accounts has violated my rights. 

( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A -Original Creditor- ( XXXX. ) XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an 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 2023-02-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I keep being told the incorrect and derogatory information being reported by Chex Systems is correct and verified, even though the XXXX Bank XXXX XXXX was still investigating and had yet to complete their research/investigation. On my Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted bank XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. I have written multiple letters to Chex Systems providing proof that I did non of the transactions and I have no knowledge of them. Chex systems keeps informing me that the information is correct and verified, without doing a full and proper investigation or showing me any proof of validation. Either way I keep getting the runaround. I asked for details, example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day ( XX/XX/2023 ), they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked, I wrote, called, plead etc. I'm at my last resort now, I'm tired of the back and fourth. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. Any proof or additional information you need please don't hesitate to ask. Thanks in advance XXXX Institutions are XXXX of XXXX account XXXX XXXX # XXXX XXXX XXXX consumer ID- XXXX - contribution ref # 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 2022-04-20
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 Closed accounts that are on file are a result of identity theft I have reached out several times about these items that will be listed below. 

Applied Bank Opened XX/XX/XXXX XXXXl XXXX Opened XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Type XXXX XXXX XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/2020 XX/XX/2020 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2020 Asset Amount : {$0.00} XXXX : XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Liability : {$0.00} Exempt Amount : {$0.00} XXXX 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.

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 2022-06-20
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:
This ground for removal they aslo violated my rights under 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 withou my written instructions. Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment status an inaccurate reappearing and appearing. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to the consumer to a consumer reporting agency if the person know or has reasonable cause to believe 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
Consumer complaint received 2022-01-14
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: Account status incorrect

Complaint:
U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX College is the College attended XXXX XXXX, Mo U.S Department of EducationXXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX College is the College attended. XXXX XXXX, Mo

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 2023-05-10
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:
I have repeatedly contacted my mortgage servicer and I am currently on Loss Mitigation which protects from negative credit reporting, and they have reported me as 150 days late even though Im protected through Loss Mitigation. This has brought my credit score tremendously. I have an email from them stating that they will not do this and they keep doing it. Please update the credit report, this is really and has been a daunting process with this mortgage servicer. I have been approved by the state of California with a grant to pay my past due balance and they continue to report this even being on loss mitigation which protects negative credit reporting

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly : CAPITAL ONE XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My son accidentally used a BB & T ( now Truist ) credit card on XX/XX/XXXX while out with friends to buy {$32.00} worth of food for lunch. He does not have a relationship with Truist other than this card. I co-signed for this card 5+ years ago with a limit of {$500.00} so he could start working on his credit score. I do have an extensive relationship with Truist and have been a customer for 24 years. He did not get a statement so they added interest and late charges for 2 months and contacted the credit agencies. I saw something on my online banking and looked into it and after researching realized it was reward points that had not been used. Last Friday, XX/XX/XXXX, I saw on my online banking a {$93.00} charge and told him right away. I realized it was late and transferred the money right away to pay it. He checked his credit score over the weekend and it has dropped XXXX points. I called Truist right away on Monday and talked to a relationship banker and she said she would fix it right away. She then called me back and said there was nothing she could do. The business banker called me on my cell phone ( which they have in my file ) and said there was nothing he could do either but I should keep him updated on what happened with my credit. Truist has sent me 23 messages on my online banking account since XX/XX/XXXX and not one was about the credit card not being paid. I checked my credit and it has dropped XXXX points as well.

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 2021-07-26
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian does not interact with the consumer in any meaningful and constructive way that wastes time and increases frustration in applying and removing credit freezes, Their PIN numbers make no sense, and automated phone service and web page do not function properly. Now I have a credit freeze I can not lift.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 



Account - XXXXXXXX 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.

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 2022-10-16
Company: GVA Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan for {$800.00} on XX/XX/2022. It was not explained to me that I would have to pay back over {$5000.00} to clear this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Self Financial Inc.
State: CA
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 received an email from BJ 's Comenity about an amount due, about {$81.00}. But I never used the credit card. When I called the company, Comenity, the IVR said I didn't have a balance. But when I asked to speak to a CSR, I was told I had an {$8000.00} balance.

When I asked to speak to the fraud unit, " Asset Protection, '' I briefly spoke to someone, but the call was disconnected. I called back several times, on different days, but I was on hold for nearly an hour and no one ever answered. 
I reached out to XXXX, and the FTC. 

To date, I still keep getting billing notices from Comenity, now XXXX XXXX has taken over Comenity 's accounts. I acted promply and have been trying to let the card company know this is an identity theft matter. 
I had received an email around that same time, asking for some kind of payments. I believe I contacted the FTC and sent a copy of the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation