BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a message on my banking app saying my account had been locked. The message did not specify why. The message requested my social security card, my id, and two of my banking statements with my XXXX XXXX XXXX account connected to this account. 

When I called the Company they would not tell me why my account had been locked. I submitted the documents requested on sunday. My account is still locked. 

This is my main bank account. I was closed out of it without advance notice. I have not had access to my money or been able to receive paychecks or transfer funds for two weeks now. My paycheck from yesterday is caught in their system so ADP can not even send me a paper check. This is unacceptable. 

The Company will not tell me when it will be unlocked and has been incredibly unhelpful in resolving this issue. The account should not have been locked in the first place and it has caused me serious financial harm as I have had to run up my credit cards in order to live ( i.e., groceries, subway to work, etc. ). 

Additionally, I asked to just close out the account and they will not let me. Further, within the bank app I sent 9 messages to customer support. None have been answered. This is terrible customer service, and specifically is unprofessional being that it is a sensitive banking issue that affects my ability to pay rent, eat, etc. 

This financial institution is incredibly unprofessional, not customer focused, and should not be able to operate in this way. They should lose their license to practice as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: MO
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 have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Paid off XXXX XXXX on XX/XX/2021 - received a letter from XXXX XXXX stating that my acccount has been paid off in full with a {$0.00} remaining balance. XXXX has been reporting that I have a balance on account that is constantly changing. No other charges have been made since the account was paid off. Every time I call to dispute and ask why, they tell me they will clear out the balance and all should be taken care of - and then the next month I will receive another statement with some sort of balance. This has been going on for over a year and has affected my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
PLEASE HAVE THE CREDIT COMPANY UPDATE MY PERSONAL INFORMATION AND DELETE ALL OTHER ADDRESSES AND NAMES ASSOCIATED WITH MY ACCOUNT Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX DELETE NAME KNOWN AS : XXXX. 
XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX DELETE ADDRESS INFORMATION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX DELETE Employers : XXXX. 
XXXX XXXX XXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$3200.00}

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 2022-11-24
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This Auto Account Been On My Account Since 2015, I tried my best to fix this After all that time of reporting wrong amount I owe and wrong this account report to XXXX and Equifax, Not XXXX Which Is Not Accurate And therefore I want it deleted off my account, I understand the law and need help this is hurting me and my family because Im the back done they depend on I cant get the right access to keep my family in good health and strength. Please delete improper use of information off my credit report. 

XXXX XXXX Is A Depth collector and not the original company of the auto loan, Apart from that all the information showing on my credit report from this collector is incorrect, please help me in getting this taking care of, if you take the time to look back I wrote you guys before I do not need a update of my account I need it deleted because of how long this have hurt me, if u can kindly help me get this collection of my report, I need a fair shot at credit like everyone else. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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 have contacted Equifax numerous times regarding a Bankruptcy showing up on my credit report. The dates contact are as following XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XX/XX/XXXX. I have been ignored each and every time. 

I being a spouse of an XXXX XXXX military is very hard dealing with the stress caused by Equifax. I have done everything in my power I have filed police reports notifiec social security office about being a victim of identity theft. 

I am attaching all required documentation to block this Reporting from my credit report on this complaint. This is the last request and if it is not taken care of I will be forced to take legal action for stress, time, and pain and suffering and XXXX in additional compensation against equifax. 


UNDER FEDERAL LAW A BLOCK ON THIS REPORTING MUST HAPPEN NO LATER THEN 4 DAYS AFTER RECEIPT OF THIS COMPLAINT. 

Here is the legal language " ( a ) Block. Except as otherwise provided in this section, 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 by such agency ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
My credit report lists a vehicle ownership from a loan extended by XXXX XXXX XXXX  - opened on XX/XX/XXXX and closed on XX/XX/XXXX. This account is not mine and never was mine. Never did I apply for a vehicle- nor have any ties with XXXXXXXX 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 2023-09-02
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank cashed a check made out to me and my husband six weeks ago froze our savings account closed our checking account said it was fraudulent for about two weeks. Then said they didnt cash it. then sent a statement showing it in there and never gave us the money back from either! Told us we would never get the money from savings it can only go back to the bank in a harmless bank to bank transfer that peoples has to initiate or the maker of the check. Which peoples wont because citi indeed cashed the check back in XXXX. This has caused a great hardship my husband is on social security and our primary income. Im attaching the letter with documentation of check cashed from peoples and a copy of my statement. I honestly dont know how they are allowed to do this!

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.

15 U.S.C 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. 

Even before this late payment was reported I made an arrangement to pay XXXX XXXX the minimum due before the 30 days. The payment was taken on XX/XX/2023 the wrong date it was suppose to and the payment ended up getting reversed from my bank since my work check wasn't cleared yet. Even with this knowledge XXXX XXXX still violated my rights with this late fee report without giving me no heads up at all.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act the following 3 companies have fraudulent information, wrong personal information : XXXX : NAME should be " XXXX XXXX '' PREVIOUS ADDRESSES : I do not recognize those addresses EMPLOYERS : XXXX XXXX  is not correct Experian : ALSO KNOWN AS : I am not known by any other names other than my actual Name which is " XXXX XXXX XXXX XXXX I am NOT " XXXX XXXX XXXX '' or " XXXX XXXX '' DATE OF BIRTH : should be XX/XX/1995, not just " XXXX '' PREVIOUS ADDRESSES : I do not recognize any of those addresses XXXX : XXXX : should be " XXXX XXXX XXXX XXXX XXXX i have no former names EMPLOYERS : XXXX XXXX  is not correct All of this incorrect/fraudulent information is hurting my credit report and not allowing me to qualify for mortgages or anything. This false information also is making Charge-Off accounts to remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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:
There is no such entry of record # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2023 They said about was over XXXX. The initial I used was about XXXX and numbers don't add up. They rejected what I could offer to pay at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This communication is in reference to my LexisNexis Accurint Report dated XX/XX/, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Employers that LexisNexis Accurint is reporting on my LexisNexis Accurint Report ( See attached XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This is my third notice to LexisNexis regarding the Incorrect Employers that they are reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER been employed by either of these entities and I have NEVER been associated with either of these entities. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I made a payment of {$1500.00} on my BMO Harris Bank credit card, by check from my XXXX XXXX checking account. While the bank deducted the sum from my bank checking account, they did not deduct that amount from my credit card statement. 

I called them and then wrote them on XX/XX/2021. In XXXX, I received a letter asking me to call them, which I did. I was told that someone would get back to me. In XXXX I wrote to them again. To date, I have heard nothing else from them. 

The matter has yet to be resolved in my XX/XX/2021 statement.

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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
None of the Collections listed in my letters are verifiable and the accounts are also in violation pursuant 15 U.S. Code 1681a ( 2 ) ( B )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling many times on a daily basis.

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 2019-03-21
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: Account status incorrect

Complaint:
On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, XXXX charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible. 

In retaliation, every six months, XXXX reports erroneous late payments to Equifax, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by XXXX as delinquent. I saw the change in XXXX XXXX, checked the XXXX closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with Equifax, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX WAY XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/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 2018-08-21
Company: Experian Information Solutions Inc.
State: GA
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA 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