BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: VA
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 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 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 an 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 non-monetary relief
Consumer complaint received 2021-10-17
Company: HSBC NORTH AMERICA 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 is missing that should be on the report

Complaint:
I have a Mastercard credit card account opened at the HSBC and activated on XX/XX/XXXX ( see first card statement attached ). However XXXX  only report my HSBC card account since XXXX ( see latest credit report ). I am therefore missing three years of duration in the account history. I have maintained since XXXX my HSBC Mastercard payments in good standing with XXXX past due. As the older the better for an account in its score computation I deserver a fair treatment and all the months be taken into consideration, appearing in full in my report since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted Equifax and XXXX both parties involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that this fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-08-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Someone has used my information to open fraudulent accounts. I have taken legal action against all parties. I have been advised to take the legal actions against two of the Credit Bureaus, Equifax & XXXX, for reporting inaccurate and fraudulent information and accounts. The Account is XXXX XXXX, Account # XXXX, Balance is {$750.00}, & Date Opened is XXXX XXXX, 2018. This account was opened fraudulently in my name. According to the creditor, the account was opened XX/XX/2018. I was XXXX  during that time. I would have been able to open this account and I did not give anyone permission to do so. I have provided documentation supporting this. I demand this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 non-monetary relief
Consumer complaint received 2023-07-26
Company: Kovo
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
My credit card was charged {$400.00} on XX/XX/XXXX. This was a billing error and credit card should have been charged {$240.00} for a food bundle as referenced in the payment authorization form. The merchant provided Bank Of America copy of a store credit that was provided of {$160.00} as part of the dispute process. The merchant failed to inform Bank of America that the store credit of {$160.00} was not used and the membership was canceled on XX/XX/XXXX. The merchant has overcharged the credit card by {$160.00} and Bank of America has allowed the merchant to overcharge my credit card by making a billing adjustment on XX/XX/XXXX for the {$160.00} that was in dispute. BOA did not do a thorough investigation to find out if the gift card ( store credit ) was ever used or if the membership was still active to use the gift card ( store credit ). 

We have another dispute with the same merchant for the same issue. Merchant charged {$400.00} on XX/XX/XXXX. 

I emailed merchant to request a refund be issued for {$160.00} on XX/XX/XXXX. Merchant said they will not consider refunding the overcharge amount of {$160.00} from XX/XX/XXXX until the other disputes have been resolved. 

The dispute was plain and simple. The payment authorization form signed on XX/XX/XXXX states bundle price was {$240.00} but merchant charged {$400.00}. Bank of America relied on false and misleading information provided by the merchant to make the billing adjustment on my credit card for {$160.00} on XX/XX/XXXX without even asking me to confirm if the gift card ( store credit ) was available for use. Again, this dispute is because the credit card was charged more than what was authorized. Dispute has NOTHING to do with the merchant 's return, refund or cancellation policy. 

Bank of America approved my claim for {$400.00} for the overcharge amount on XX/XX/XXXX which is the same situation that occurred on XX/XX/XXXX. The merchant is not following the terms and conditions of the payment authorization form and Bank of America is not requiring the merchant to comply with the terms and conditions as stated in the payment authorization form and charge the correct amount of {$240.00} for the food bundle. I have called Bank of America 3 times to explain the issue and Bank of America issued a denial of my re-evaluation of the claim of {$160.00}. 

Bank of America is allowing this merchant to keep {$160.00} of my money by not conducting a full and thorough investigation.

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 monetary relief
Consumer complaint received 2020-03-20
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was searching for rates to refinance my mortgage. I reached out to AmeriSave Mortgage who had the lowest rates. I received an email with XXXX XXXX from Amerisafe contact information is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone XXXX. The loan officer NMLS ID XXXX. I then spoke with him and he said he was going to send me the 15 year currently available. He sent me the email the same day. I then agreed to start the loan application, but not before the mortgage company requested an upfront {$500.00} dollar payment as commitment. The loan officer said that the payment would then be refunded at the time of closing. He also informed that I would get {$1000.00} rebate. I proceeded to pay and moved on to give items required through their on line portal. Once seeing the loan disclosures I informed on the XXXX of XXXX that the payments were too high for my budget and that I was going to go instead with a 30 year mortgage. Left the loan officer several messages and he did not respond. I then called and he agreed to send me new documents. In the mean time I kept getting text messages from the company saying that it was on behalf of XXXX that they needed for me to acknowledge. I explained via text and e-mail that the information was still showing as 15 years and I had requested a 30 year term. The loan officer 2 days later sent me a message full of capital letter stating that I needed to acknowledge the 15 year for the information to update. I then acknowledge and later new information showed. When I saw the closing cost on the new mortgage Amerisave was charging me XXXX dollars in closing cost and bundling in the loan which based on the information was going from XXXX to now XXXX. I sent the loan officer an e-mail to call me that I needed information about the closing cost because they were too high. The officer did not call me back and the next day I canceled the loan on the XXXX. I told him to stop texting me that I had decided to cancel the loan due to high closing cost and poor service. The loan officer sends me a text message on XX/XX/2020 saying " Just a heads up you lost your {$500.00} app, i was trying to prevent that by explaining to you the options, I emailed you again '' I told him that I was reporting him for harassing behavior and opening a complaint. I have opened a dispute with my credit card company as I am not sure why AmeriSave would keep my {$500.00} dollars if we had not even gotten far enough on the mortgage agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2022 I opened an online bank account with Truist in hopes of building a relationship with the company. I have a small business and was hoping to utilize some of the products the company offers to help people like me. 

On XX/XX/2022 I received a notice of account closure. I called Truist customer service to inquire on the reasoning behind the closure and the representative informed me that it was for identity fraud. The rep then transferred me to the fraud department, who confirmed this reasoning, and proceeded to informed me that Truist is requiring me to enter a physical bank branch near me, with XXXX forms of identification, to reopen my account. The rep also informed me that there was no way I would be able to upload the required documents. 

When I opened the account initially in XXXX, I uploaded the required documents which in-turn led to Truist to accepting me as a member. Even going as far as letting me deposit money and sending me a debit card. If Truist suspects my identity as fraudulent, why didnt this bank flag me in the early application stages? 

Does Truist require all members to visit a local branch to verify identity? I live in XXXX, Ohio and the nearest branch is in XXXX, Ohio, XXXX miles away! What if I cant make it to the nearest branch? Whats the solution then? Close my account? I refuse to believe that with all the modern technology today, Truist Bank cant figure out a way to verify a new members identity without requiring them to come into a physical branch. I believe I am being wrongfully targeted and am being totally neglected by this companys policies and tactics.

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 2023-06-29
Company: EQUIFAX, INC.
State: PA
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
after reviewing my credit report i found numerous inquiries which i did not authorize from creditors that i have no relationship at all, i have contacted them and they have all said they do not have any information on my name. i have sent Transunions credit bureau a identity theft report and numerous letter and yet they refuse to remove the inquiries. They have said to contact the creditor which i already have and i told them so, they claim inquiries are only authorized with permissible purpose and yet none of the companies have any permissible purpose to report on my credit. i would like this hard inquiries removed permanently. this is causing financial hardship and hurting my ability to qualify for a mortgage.

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 2022-03-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am including a letter which best describes all of the mistakes on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a XXXX  and due to the corona virus I will no longer be working for months. I currently support my wife who has XXXX XXXX and I called to ask for a lower interest rate to help us through these challenging times. I called USAA to request that my interest be lowered to have a more affordable payment. The operator said we wont due that. I said what are you doing to help people? He rudely said, Im working thats it. Im going to work. I said can I talk to your supervisor? 
Im not asking for a handout. Im responsible with my credit and Im asking for a lower interest rate for a year which is how long this will take to recover. I will no longer be using my cards. 

I have 2 credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

1

5 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 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