BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my third formal request regarding my ongoing grievances. Despite my repeated appeals, I have yet to receive my personal credit report from EQUIFAX. Regrettably, they have persistently denied my request and withheld my credit information. To substantiate my claim, I have enclosed a duplicate of the letter I previously dispatched to the credit bureau, explicitly requesting my credit report. Furthermore, I have included supporting documentation, such as copies of my personal identification, to strengthen my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has been in constant violation of the FCRA. They have reported a credit card account to my credit report that is a result of fraud and I claim no responsibility to. Not only that but they have maliciously and intentionally been reporting incorrect data. After being made aware of the account I requested it be closed in XXXX. XXXX XXXX has been maliciously defaming me and my credit by reporting data thats is not correct they have reported data as 30 days, 30 days, 30, days, 60 days and 90 days. Which is incorrect reporting. XXXX XXXX has failed to send debt validation as well. All credit bureaus are aware of these violations. 
Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., or for violations of the California Consumer Credit Reporting Agencies Act ( " CCRAA : ), Cal. Civ. Code 1785.1, et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I WANT TO REMOVE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas , Transunion XXXX XXXX and XXXX are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX  representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus.

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 2023-08-11
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Can not collect on a discharged debt. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.

Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, I received a letter from debt collection agency XXXX XXXX XXXX XXXXXXXX, CO indicating that the collection agency was attempting collect {$11000.00} from credi card company XXXX Fleetcor Mastercard. 
The agent XXXX XXXX stated that in XXXX a fraudster made an online application for a fuel credit card under the name XXXX XXXX ( made up ) using stolen identity. I was unaware and authorized none of this. 
The fraudster used fraudulent docu sign indicationing that I was the signer and guarantor. That was not me nor authorized and a criminal act. 

I filed a fraud report with XXXX Fleetcor  Mastercard but I havent heard back, a police report of identity fraud with the XXXX County Sheriffs Department ( report XXXX ), and informed XXXX XXXX  ( XXXX XXXX ) of the fraud. 
I subscribe the a credit monitoring service with XXXX with XXXX XXXX. No inquiry was made by Fleetcor in XXXX before or after on a new credit. I also checked checked XXXX XXXX XXXX XXXX who had no inquiry as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Had no knowledge of this account XXXX XXXX XXXXXXXXXXXX XXXX {$570.00}. AN FTC REPORT IS ATTACHED TO THIS 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 2023-08-11
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got a vehicle from US Auto Sales and they cut the car off when I was on the highway and I had to rush and get off the highway before I had an accident. Then XXXX days later, I had the car towed to my house ( which cost me, because they said they only cover up to XXXX miles ). Then when I got it home, I called them again and they said they couldnt help me and said my warranty was gone and that they wouldnt give me another vehicle, even though I made my payments. So I had different mechanics look at the vehicle just to find out that they turned the car off on purpose and then they came and took it away. But oh, they said if I made a payment, they would cut it back on and when I did, they still didnt cut it back on and wanted more moneythen they came and took it away. I lost my job and everything at that time because they wouldnt turn my car on and that was messed up. 

So can you guys help me or tell me what lawyer to get for this situationthanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I never sign, had a contract with the company XXXX USA, CONVERGENT OUTSOURCING, Inc,  demand me to paid an enormous amount that I do not own. 
Also this Convergent Company, send a new correspondence to my new address harassing me. 

Balance : {$1000.00} No date of this fake service was stated!!

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 2022-06-16
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was with discover for a few years and Ive always paid my card off in full every month. They cancelled my card out of nowhere. Ive called so many times like 10 trying to get answers with no response. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: LPSG
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Recieved a call telling me that I needed to call or there would be charges from this number but told me to contact a different company when I ask what the bill was for the Lady refuses to tell me

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I've contacted American Express Serve on multiple occasions to have a new card mailed to me via expedited service and have not received any cards. I've taken proper measures to ensure thr delivery address was correct. The cards never show up, I continue receiving emails with tracking numbers that aren't able to be tracked. When I contact them they try not to have any recollection of what happened to the cards or the request. On one occasion I had to wait 10 business days to request a new one. The card request dates are XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. At this point I am concerned with the security of the accounts due to were the funds come from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received 5 {$200.00} XXXX XXXX XXXX American Express reward cards from XXXX as a result of my flight being overbooked. 

I tried to use the cards at XXXX. They processed my order, but then i received an email on XX/XX/2023 that my payment was not being authorized. 

I tried using a different card on XX/XX/2023 at home depot.com. Same thing happened. I received an email saying my payment was declined by the bank. 

I have tried this with numerous other merchants with no success. 

I was on the phone with customer service for 20 minutes again today and did not receive a satisfactory response. I asked to speak to a supervisor and was put on hold and listened to music for 15 more minutes before hanging up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: FORD MOTOR CREDIT CO.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I went to my bank, People 's United Bank at XXXX XXXX XXXX XXXX XXXX Every other week or so I deposit money to my checking account to pay bills. I went through the drive up ATM and deposited {$520.00}. The machine started tallying up the amount and I specifically remember seeing the counted amount of {$490.00} on the screen. The machine then proceeded to kick back {$39.00} then told me of an error and that I would have to contact my provider. Unfortunately, I did not get a receipt with the error code information. I then re-deposited the {$39.00} to my account right after which appears on my account transaction. There was no deposit for {$490.00} on my account. I circled back around to the parking lot and go into the branch to tell them what happened. They provide me with a Customer Service number ( XXXX ) XXXX and advised me that they were going to call XXXX who is the third party company that services the drive up ATM. I then go to the parking lot and call customer service and spoke to XXXX. He creates a case number for me and then sends me over via email an affidavit to file a claim advising to complete and send back. While I'm on the phone with him, in my rear view mirror a XXXX truck comes into the lot to do their process of counting fund. In my research I understand that ATM 's usually have 2 divert bins at which time, some workers do not check both and only check one bin. 

On XX/XX/2021, I proceed to a XXXX to complete the affidavit and fax to People 's United Bank which I received a confirmation of successful completion. On XX/XX/2021, I called customer service for a status and spoke to XXXX. She informed me that XXXX balanced their ATM and that they are disputing my claim because their ATM was balanced. XXXX noted that the were going to send a 2nd appeal to my bank and to check back on XX/XX/2021. I placed an additional call to customer service on XX/XX/2021 and spoke to XXXX who told me that they had sent an email to People 's United Bank and to allow a few days for processing and review since to date, they had not heard back. Today, XX/XX/2021, I receive an email from People 's United Bank indicating that they will not refund me the {$490.00} XXXX lost at that ATM for deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
First bank of america close my account because supposedly it was a fraud which to me it was no fraud. I got the XXXX this XX/XX/XXXX and I haven't received. I have my daughter that is XXXX and I don't have money to pay the rent and either for food. They have been telling me to go to the branch and pick up the funds and when I arrive they say no. They have been like this since the XXXX of XXXX. On Friday someone told me to go to get the funds I couldn't go that day. I told them I was going on Saturday and they said the same thing they can't give it to me it's on bank of america. The amount of my funds is {$1300.00} And every time I go I take my daughter and is very hot to take her out.

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 2023-01-14
Company: CITIZENS FINANCIAL GROUP, 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: Account status incorrect

Complaint:
Complaint # XXXX previously submitted is NOT closed or solved. Please reopen this case. THIS CASE IS STILL NOT RESOLVED. 

There is still major problems going on with my loan closing and I am still being reported as having a delinquent account as well as my payment being returned to me, again. This is the the third payment that has been returned to me and there is no resolution or access to my account online as of today. Documents are signed and notarized. XXXX has been closed. This bank has us financially XXXX. We still can not obtain a loan for XXXX XXXX XXXX plans this year and we still can not get a loan on a car that we need badly due to the fact that this bank has reported us over and over for nearly a year as delinquent. All Citizens bank parties are confused and never give me the same information. No one seems to understand why my loan is not allowing me to make payments or that I still have delinquent reporting. It seems almost as if there are XXXX loans in my name. PLEASE REOPEN THIS CASE. It is not over.

Company response to consumer: Closed with explanation