BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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 XXXXXXXX Account status Closed XXXX XXXX XXXX  - ACCOUNT XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXXXXXX XXXX Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Finance Companies - non specific XXXX Bank Credit Cards XXXX XXXX XXXX Financing Companies XXXX XXXX  Automobile Dealers , XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XXXX Bank Credit Cards XXXX XXXX XXXX  Auto Financing Companies XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards US SM BUS ADMIN ODA Federal Government XXXX XXXX XXXX Auto Financing Companies XXXX XXXX  Automobile Dealers, Used XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Bank Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XXXX XXXX XXXX Automobile Dealers , XXXX XXXXXXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX  Automobile Dealers XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXXXXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX Credit Unions has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Below this summary of issue is my most recent communication with Citizens Bank Re Account XXXX I proactively applied for mortgage assistance - initiated in late XX/XX/2022. 
Prior to any collections proceedings from Citizens Bank. 

The program sent a request for information to Citizens. 

Specifically, requesting the " V-File. '' To date, Citizens Bank has not complied. 
However, they started collections via of payment offers that I did not request. 

Now I am being bombarded with Citizens XXXX Application for XXXX XXXX  XXXX. 

I did not request their help, though appreciated. 

As a result, Citizens seem to deliberately ignore the mortgage program 's request for documentation ( V-File ), which jeopardizes my account and adds a great deal of stress and pressure on me. 

Any assistance or guidance from your office would be greatly appreciated. 

Thank you, XXXX XXXX XXXX ___________________________________________________________________ sent via email according to name and contact information on Citizens correspondence. 

XXXX, ( Telephone XXXX ) Re Loan # XXXX I am bombarded with Citizens Bank documents requesting completed XXXX XXXX  XXXX documents for processing. 

I am unsure where the disconnect is between Citizens Bank and the XXXX XXXX XXXX XXXX I am already using for assistance. 

However, I can say it appears Citizens Bank is ignoring their request for the V-file and trying to force me to use your services, which I do not intend to do. 

Therefore you are intentionally making a manageable situation worse which threatens my stability and continues to cause a great deal of stress and pressure to and on me. 

The account was transferred to XXXX XXXX, Va AFTER I initiated my application with an independent mortgage assistance program. 

I do not intend to use Citizens. Please comply with the mortgage program 's request for the V-file. 

Otherwise, I will have to retain a lawyer to address your refusal to cooperate, which seems to intentionally deny my right to financial support from an agency of my choosing. 

Thank you, XXXX XXXX XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a collection agency that keeps reappearing. It is removed then reappears. To make matters worse, they harass me constantly, in violation of the Fair Credit Reporting Act. One time I picked up the second phone call in a couple hours and asked why he was calling so much. He said the FCRA allows him to call six times a day, if he wants. Thats false. Unfortunately, this particular agency is knowingly violating the FCRA and misstating the law in furtherance of that. I have letters, voicemails, calls, etc. Some from the same day. All this for a debt that was already removed. Surely, the bureaus do not support this blatant violation of the FCRA.

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 2023-11-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked Experian to verify the company received physical documentation I filed for bankruptcy and have a bankruptcy case from the state of New Jersey. Experian has not provided this documentation from the state of NJ requesting for Experian to report this information on my credit report. Instead, Experian responded by explaining they are currently reporting hearsay, per report number XXXX dated XX/XX/2022. 

Instead, Experian continues to be in direct violate the law consumer 's right to privacy, per 15 US Code 1681A 4.

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 2020-11-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 2023-06-22
Company: EQUIFAX, INC.
State: VA
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 taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 the with the fair credit reporting act XXXX  The XXXX XXXX- the original creditor : XXXX XXXX XXXX - account number XXXX, XXXX XXXX XXXX -the original creditor : XXXX XXXX- account number XXXX, XXXX-account number XXXX, XXXX- account number XXXX, XXXX- account number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time I've written to Portfolio Recovery Assoc!! I first reached out to this debt collector company XX/XX/2022 they never ever wrote me about this so called debt before. I recently sent another certified mail XX/XX/2022 this is when I received numerous outdated paperwork to show as if they've been trying to reach out to me about this debt that is not mines!!! I've asked on two separate occasions to verify this debt they are claiming I owe with original signature on file not showing me the amount of the debt that I so called owed, they refused to acknowledge my request as you will see The documents I will upload again I'm requesting validation not verification of this so called debt! I only received this outdated letter because I open a report with the CFPB. THEY EVEN ADDRESS THE LETTER WITH THE CASE #!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Td bank closed my account with giving me any acknowledgment. I was told if I paid XXXX I would be able to open up an account. Well I paid that XX/XX/XXXX well today is the XXXX and just now finding out my account is closed. Went to the branch was told I need to go to the original bank. Well called the original bank but they cant give me any information they would need to reach out to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: EQUIFAX, INC.
State: SD
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: Investigation took more than 30 days

Complaint:
XXXX XXXX has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XXXX of 2018 with them continuing to report this credit card on my Equifax credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-02
Company: EQUIFAX, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Spring Oaks Capital, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Name : SPRING OAKS CAPITAL LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX ) XXXX Collection Cost : {$830.00} Debt : Credit Card Amount : {$830.00} Original Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit profile that i did not apply for. ( XXXX XXXX, XXXXXXXX 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 2023-10-23
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The last time I saw my daughter she refused to return me home until we went to my bank so I could write her a check for {$18000.00} on Monday, XX/XX/2023. She picked me up at XXXX XXXX for a quick breakfast. She dropped me off at home just before XXXX XXXX. I will never again visit with my daughter one on one. 
My son, took me to the same bank branch Tuesday, XX/XX/2023 to file a stop payment on my daughter 's check. The PNC agent who took my completed " stop payment '' form said {$18000.00} would get re-deposited if my daughter still held the check. We were back home by XXXX XXXX. We later learned my daughter first presented the check the next day, XX/XX/XXXX, at XXXX XXXX. 
Shortly after XXXX XXXX on Wednesday, XX/XX/2023, XXXX XXXX called my phone announcing a recorded conference call with my daughter, and a PNC agent on the call. In five minutes I was twice asked if I really wanted to stop payment on the XX/XX/XXXX check. I answered " yes stop payment '', both times. My daughter asked me why and I told her she lied about her need for the money because her car ran well. She drove me to breakfast on XX/XX/XXXX in the car she said she could no longer drive for a disabled transmission. 
PNC NEVER KEPT IT'S STOP PAYMENT WORD!!!. 
The first time I asked PNC told me my daughter 's actions initiated PNC 's internal investigation that should conclude with a re-deposit. In XX/XX/2023 I closed my old PNC checking account and opened a new one because my daughter had withdrawn {$6000.00} in XXXX without telling me. The second time I asked in mid-XXXX I learned my daughter actually received {$18000.00} and I needed to engage PNC 's customer care center to receive the funds thereafter. We phoned and emailed PNC 's customer care agent daily until Friday, XX/XX/2023 when her supervisor told me I would not receive a re-deposit. 
PNC branch knew of my daughter 's changed behavior from my changed checking account earlier this year. Can anyone trust PNC with their life 's work represented in their savings and retirement? 
I believe my daughter worked with someone at PNC to get her criminally fraudulent way. Can my daughter get arrested for this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: NJ
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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