BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXX XXXX XXXX  - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX XXXX XXXX  - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX 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 XXXXXXXX The personal data reporting is inaccurate. 

XXXXXXXX XXXX XXXX XXXXXXXX - XXXX term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Few days ago, I reported a dispute issue I was having with Transunion Credit Reporting Agency. While Transunion agreed to take care of the issue in 60 days, it terminated my access to check the dispute status or report a new dispute since I reported the dispute issue with the CFPB. 
When I try to check my dispute status and use my credential for that ( Username " XXXX '', I am blocked from any further access ). 
Credit Reporting Agency has a duty to refrain from acts that constitute of deem to be an act on a consumer on malice or retaliatory under FCRA. Consumers do have a right if they find any report or service provided by the CRAs to be faulty or incorrect. 
However, Transunion should refrain from this kind of act of malice or retaliation for a complaint.

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 2023-05-06
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - 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 The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX -  XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo closed my accounts and has yet to send me my funds that was in my 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 2023-06-15
Company: DFC Global Corp.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I cashed two posted dated checks at the check cashing store in XXXX Fl. They didnt hold them and tried to cash them. The didnt clear. They called me and told me they would turn it over to XXXX XXXX Attorneys Office to collect monies owed through courts. the check amounts were {$110.00} and XXXX. SO I get the money and delivered it to them paid in full. Much to my surprise in XX/XX/XXXX XXXX and XXXX XXXX placed these on my credit report. I called them and told them they were paid. They said they didnt care that I owed the money. Quite rude. I called the check cashing store and they said they had no record i owed them any money. I called the collection again but they demanded I pay on a debt that had been paid in full years before. I dont have the receipt of payment because I changed banks and moved a few times. Covid happened shortly thereafter. This has caused great harm and undue stress. My attorney advised me to file a police report against XXXX XXXX XXXX. I want this removed from my credit immediately as its caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I applied for Business Unlimited card with Bank of America and I called in they told me wait on mail well once I got the mail I sent the documents that they requested and I waited and waited never heard anything back so I called XX/XX/XXXX and I spoke with XXXX in the business department and she told me I had been approved congratulations. Well when I woke up the next day I had an email from Bank of America saying I was not approved so I called to see what happened from one day to another and the supervisor rep told me that he couldnt say why look online and check application so I checked online and I noticed the decision date was the same day I called so someone manually took my approval away that day. So I waited over the weekend and left a bad review on XXXX for giving false information. I received a called from Bank of America XX/XX/XXXX and the rep told me she was going to file a complaint on behalf because she understands and I have a right to be upset and she said I would speak to a Credit Analysis and go over my application and see what can be done. When I was connected with them they said they could not find my application # or see one so they connected with merchant services for no absolute reason and merchant connected me with the personal dept and somehow they say hey XXXX youve been approved for {$500.00} card will arrive in 5-7 days and its just Really fishy how I never applied for a Personal card I initially applied for business card and there was no record of it until I spoke with a Personal relationship manager on the phone who somehow anonymously had my reference # for the business account and I actually think this is Discrimination and someone manually denied my application after I was approved and now that I pushed the issue they tried routing it to personal to just try to push something on me so I leave it alone but thats not the issue I will be retaining a Lawyer and suing Bank of America XXXX Someone needs to contact me immediately and help me with my Discrimination issue

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 2023-01-19
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This company is not actual XXXX XXXX. You can not contact them or make payments on the website it is always down! I tried contacting them about my card being lost and they claimed I owed XXXX then XXXX different amounts everytime! They're dispute /fraud dept is closed! And now I have them on My credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following 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. Im trying to get a new home and these items wheny get me approved. 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 XXXXentity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability

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 2023-08-17
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Apparently, my former insurance carrier ( via my parents ) was not billed for services when I received medical treatment at XXXX XXXX XXXXXXXX several years ago. They have now provided my personally identifiable information to a third-party, National Recovery Agency XXXX who damaged my credit by placing a collection on my credit report. I have not received contact from XXXXXXXX XXXX XXXXXXXX with any inquiries or to advise me of any billing issues. National Recovery Agency has also not contacted me directly in an attempt to resolve the matter. Only because I regularly check my credit, I found this collection. I can not verify that the amount they are claiming that I owe is valid, because I have not received a bill outlining the charges from XXXXXXXX XXXX XXXXXXXX or National Recovery Agency. 

My parents have a new insurance carrier as of this year. The former carrier, XXXX XXXX XXXX ( XXXX ), refuses to take calls or correspondence regarding prior coverage. XXXX is also known for not changing emergency visits to in-network to avoid paying valid medical expenses, since when seen in urgent or emergency care, you have no control over the network a physician uses for billing. My parents have also had difficulty with XXXX  not paying bills or taking calls, since my mother 's employer chose another carrier. My parent 's don't have an Explanation of Benefits ( EOB ) from services provided by XXXX XXXX XXXXXXXX, leaving me unable to verify whether my insurance was ever billed. 

Medical providers should have a responsibility to follow fact-based processes in good faith. They ask for insurance information before they will even see or treat you in an emergency situation. Yet, they don't follow through with the accurate and timely billing of your insurance, or give you an opportunity to ask questions or dispute claims. I should only be responsible for any remaining balance after my insurance pays based on my family 's coverage at the time of service. I do not and did not authorize the release of my information to any third party. National Recovery Agency has damaged my credit based on unverifiable information.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: KY
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 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 : # has violated my rights ( 15 ) U.S.C 1681 SECTIOM 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 WRRITTEN INSTRUCTIONS.

( 15 ) U.S.C 1681 C. ( 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 than seven years.

15 U.S.C 1681 s-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
Consumer complaint received 2023-08-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been engaged in ongoing communication with Citizens Bank in relation to their online banking services, with particular emphasis on their mobile application designed for the management of debit cards. Regrettably, I have observed an apparent malfunction in the functionality of the " Manage Debit Card '' feature within the mobile application. Despite my efforts to address this concern, I have been in correspondence with their IT Department without resolution.

This issue came to my attention approximately one week ago, precisely on XX/XX/XXXX. The persisting inability to rectify this matter has led me to a point of frustration. Furthermore, it has come to my notice that their online banking services intermittently experience outages during the course of the day. However, I wish to emphasize that my primary concern revolves around the malfunctioning mobile application 's inability to facilitate the crucial " freeze '' and " unfreeze '' functions for my debit card. This functionality is pivotal, as it enables me to exercise control over the security of my finances without the necessity of resorting to the toll-free customer service line. 

It is pertinent to mention that this issue is manifesting across both XXXX and XXXX platforms, thereby making it platform-agnostic. I would appreciate a prompt and comprehensive resolution to this matter, as it directly impacts my ability to manage and safeguard my financial assets effectively. Your attention to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CommonWealth is reporting a debt on my credit report and NEVER NOTIFIED ME PRIOR TO INACCURATELY REPORTING THIS INFORMATION. 
Today it shows : COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$790.00} 0 % paid off Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$790.00} {$790.00} Payment Info Original loan amount {$790.00} Balance {$790.00} Updated on XX/XX/2019 No other identifying information that proves this debt belongs to me. I would like this matter to be investigated further because I never received a written notice of my right to dispute per FCRA, they are not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a significant issue with TransUnion 's handling of my dispute concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate and must be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). The law mandates accurate reporting, and it is imperative that my credit report reflects this accuracy. 

The unauthorized hard inquiries that have been inaccurately reported on my TransUnion credit report are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to emphasize that I did not authorize or initiate any of these inquiries. Their presence on my credit report not only unfairly impacts my credit score but also jeopardizes my financial standing. Under the FCRA, credit reporting agencies such as TransUnion are obligated to ensure the accuracy of the information they report, and the presence of these unauthorized and erroneous hard inquiries is a clear violation of this requirement. 

I have previously communicated with TransUnion, disputing these inaccuracies and providing all relevant documentation to substantiate my claim. Regrettably, despite my persistent efforts, TransUnion has failed to take the necessary steps to rectify this situation, and these unauthorized inquiries persist on my credit report. 

I hereby request your intervention to address this matter urgently. I implore you to ensure that TransUnion promptly conducts a thorough investigation and takes immediate corrective action in line with the law. It is vital that these inaccuracies are removed promptly to restore the integrity and precision of my credit profile. 

I kindly ask for your assistance in resolving this crucial matter and request that you keep me informed of the progress and resolution of this dispute. I anticipate a swift and lawful resolution under the FCRA. 

Thank you for your attention to this critical issue. 

Sincerely, 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