BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: OH
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:
In XX/XX/XXXX  I called several times to resolve this matter to delete inaccurate names addresses employments off my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual to submit my name, address, employment, or phone number. Additionally, I have not given Equifax, XXXX, XXXX permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. The reporting of the inaccurate names, addresses, and employments has violated FCRA Section 607, which requires that only accurate information be reported in a consumers report. Per 15 USC 1692J No one may design, compile and/or furnish any form which creates the false impression that someone other than the creditor is participating in the collection of a debt. The use of these false names addresses employments are given false impressions. I am completely aware that each violation is {$1000.00}, I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. I will upload proof of my full name and my accurate address where I want all my disputes sent to the same address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Albert Corporation
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear CFPB, I am writing to urgently address a pressing issue concerning my financial interactions with Albert. On XX/XX/2023, I downloaded the Albert App to receive a {$35.00} advance, agreeing to the associated {$4.00} processing fee. Since then, Albert has withdrawn a total of {$270.00} from my linked XXXX XXXX XXXXXXXX account, as detailed in the attached XXXX XXXX XXXX file. 

Despite my immediate actions to cancel my subscription and deactivate the " smart money '' feature on the Albert App, unauthorized transactions continue unabated. This has caused significant distress and financial uncertainty.

To compound matters, Albert refuses to unlink my XXXX XXXX XXXXXXXX account without linking another bank account, a step I am unwilling to take. Their justification for this refusal is the alleged " smart money '' deposit in process, despite my explicit choice to disable this feature and my attempts to terminate my account. 

Today, an unexpected deduction of {$170.00} was made from my XXXX XXXX XXXX account, with no corresponding record in the Albert App, intensifying my concern and frustration.

I want to emphasize my absolute refusal to engage with Albert and my firm decision not to activate the debit card they sent me. I am resolute in my request to sever all ties with Albert and any affiliated entities. Therefore, I formally demand the immediate cessation of all ongoing attempts by Albert to " save '' or " invest '' my funds. Specifically, I request the refund of the entire amount of {$270.00}, minus the initial {$35.00} advance and {$4.00} processing fee, to be promptly reimbursed and deposited back into my linked XXXX XXXXXXXX XXXX account. Additionally, I insist on the removal of my account from Albert 's database to prevent any future unauthorized charges.

I am entangled in a vexing cycle of unhelpful responses from Albert, and the situation remains unresolved. As evidence of the ongoing issues, I have provided a summary of recent transactions and charges below : XX/XX/2023 : {$8.00} ( processing ) XX/XX/2023 : {$170.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$7.00} XX/XX/2023 : {$6.00} XX/XX/2023 : {$5.00} XX/XX/2023 : {$10.00} XX/XX/2023 : {$33.00} XX/XX/2023 : {$11.00} Total Amount in Question : {$270.00} I urgently seek your assistance in resolving this matter and ensuring the swift reversal of these unauthorized transactions. Your prompt intervention is paramount in bringing an end to this distressing situation and Albert 's predatory lending practices. 

Your immediate attention to this matter is greatly appreciated. Attached, you will find documentation supporting my efforts to address this issue with Albert. 

Thank you for your swift assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: FL
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 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 2023-02-03
Company: EQUIFAX, INC.
State: MS
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 notice some inaccurate and incomplete on my credit report last month so I sent Equifax a letter on XXXX disputing the negative information including personal information and inquiries with USPS certified receipt XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent XXXX and XXXX letters as well pertaining to the inaccurate items. 
XXXX  tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to a recent divorce, I was advised to check my credit where I found several questionable collections listed. I reached out a few times but have yet to be provided with anything authorizing my ownership of these debts. I have requested original contracts, my authorizing wet signature, and/or any supporting documentation. I was advised that anything not verified within 30 days should be removed from my credit report. I have heard nothing back from either of the following creditors : XXXX XXXX XXXX  Dated XX/XX/XXXX in the amount of {$970.00} XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$900.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount oXXXX {$670.00XXXX XXXX XXXX XXXX Dated XX/XX/XXXX for amount of {$270.00} XXXX XXXX XXXX Dated XX/XX/XXXX for amount of {$270.00} XXXX Funding Dated XX/XX/XXXX in the amount of {$450.00} XXXX XXXX Dated XX/XX/XXXX in the amount of {$150.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount XXXX {$190.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount of {$390.00} As you may agree, a few of these seem to be duplications. Although the different credit bureaus may list different dates, they are all very similar entries. These are reflecting very negatively on my credit.

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 2022-05-16
Company: Bread Financial 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 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 2021-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by BANK OF AMERICA. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

My account in this matter is the following : Account Name : BANK OF AMERICA, N.A. 
Account : Number XXXX Account : Type Auto Loan Responsibility : individual Date Opened : XX/XX/XXXX Status : Open. 

I made double payment in XXXX. 

I was affected by Covid19, I've had some difficult times, I feared for my life. I think we can continue to have good relations, I'm just asking the company to deletion the XX/XX/XXXX late payment. 

These years have been difficult, the country 's economy has not been the best but I have tried to pay on time. 

I would be happy Bank Of America takes into consideration my request. 

I have a good payment history. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A complaint was filed on XX/XX/2022 with CFPB in regards to Victoria Secret/ Comenity Bank freezing the Victoria Secret Card provided using a SSN. As a Consumer exercising rights put in place to protect against being mishandled by these Corporations should not result in discrimination. Victoria Secret/Comenity Bank has retaliated against a consumer once again for the rights out in place for this very reason. Victoria Secret/Comenity Bank never gave notice of adverse action 15 USC 1691 ( d ) 3 nor did Victoria Secret/Comenity Bank get written consent to close the account. Victoria Secret/Comenity Bank never sent the requested documents such as the ledger, account records notarized by the agent over the account. Victoria Secret/Comenity Bank are reporting to the CRAs without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX  # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 2021-05-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, the mortgage holder of # XXXX at property XXXX XXXX XXXX XXXX ca XXXX am writing you regarding phh XXXX refund owed to me. My account was paid in full XX/XX/2021 and a check of {$6200.00} was sent to me due to escrow overage. I requested they return money to sender which they did because i did not refinance my loan and under impression only i could do that. So phh XXXX  did claim to return money and stated i could not cash check if i was requesting money be returned. However phh XXXX once again excepted payoff under my name and account and i have not received a resending of the {$6200.00} escrow overrage i was entitled to nor a payoff letter of when mortgage was repaid in full or that my case is now closed. I am request phh mortgage resend my refund of {$6200.00}. Send me letter of date and amount paid off and that my account is now closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 602 A States I have a 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 explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The company XXXX XXXX is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.

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 2021-05-15
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. SYNCB/CC on XX/XX/XXXX XXXX Reported Identity Theft ) 2. SYNCB/CC on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Southwest Credit Systems, L.P.
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:
opened XX/XX/2022 account says still open.I tried to get it disputed and its still on my credit, Its 11 accounts open with the XXXX XXXX company, they are asking for XXXX $ that i did not aprove or did myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Bread Financial Holdings, Inc.
State: IL
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:
Per 15 USC 1681, I have the right to privacy. My account beginning with XXXX has been subject to violations. According to the report, the collection agencies reported the past due dates on my account which is a violation per 15 USC 1681. I want these improper reports to be removed immediately from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX 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 explanation
Consumer complaint received 2023-02-14
Company: Reliant Capital Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an offer letter from the XXXX XXXX  XXXX XXXX XXXX XXXX in physiology in XXXX and contracted XXXX XXXX XXXX XXXX XXXX XXXXXXXX back in Summer XXXX which spread to my various organ systems and advised the XXXX  registrars office of my request to pursue a medical health related program withdrawal in XXXX XXXX XXXX  and provided verified doctors notes to confirm my absence from the program. The XXXX registrars office, program leadership team, and the XXXX program director remained grossly negligent and never responded or provided the necessary paperwork for a program withdrawal and I never received a response from the XXXX  office regarding my program withdrawal confirmation. I received an anomalous, erroneous {$7600.00} Spring XXXX personal bill from XXXX in XXXX XXXX months after I withdrew from the XXXX  XXXX program and left the campus for classes that I never registered for or completed. I would appreciate it if you could kindly null and void the erroneous {$7600.00} bill and refund the Fall XXXX and Spring XXXX tuition amounts ( Federal Direct Grad Plus loan paid in the Fall XXXX ( {$31000.00} ) and Spring XXXX ( {$25000.00} ) semesters + Federal direct unsubsidized loan of {$10000.00} ) back to the government. I have attached the erroneous XXXX  Spring XXXX bill and my personal request to withdraw from the XXXX  XXXX graduate program in XX/XX/XXXX due to chronic health issues in the files below for your review. The school manipulated me and forced me to stay in the program despite chronic health issues and never responded when I initially requested for a medical/health related program withdrawal at the beginning of the Fall XXXX semester. I was denied the opportunity to receive program withdrawal paperwork and the school remained grossly negligent to my request for months. Subsequently, the school recently threatened me with collection attempts starting from XX/XX/XXXX onwards months after I withdrew from the program for degree coursework that I never registered for or completed. I never received a degree from XXXX nor graduated. Kindly ensure that the below attached bill is voided and that my full XXXX academic year tuition loan amounts are returned back to the federal government. I would appreciate your kind consideration of my request. I have attached my supporting documents in the files below. Thank you.

Company response to consumer: Closed with non-monetary relief