BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've made disputes with all credit bureaus, Experian is the only one who keeps reporting innacurate information with my XXXX XXXX XXXXXXXX Account, and reporting an address that I've never lived at. All credit reporting agencies have deleted the incorrect address on XXXX XXXX and report XXXX XXXX XXXX as a closed account. There is also a collection from XXXX XXXX XXXX for this address that I never lived at, and although I show them proof of where I lived in the USA, and even that I was working out of the country, they continue to report this false info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXX account # XXXX Has 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. 

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX Has 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. 


In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has 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. 

In accordance with the fair credit reporting act XXXXXXXX XXXX account # XXXX Has 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 In accordance with the fair credit reporting act XXXX XXXX  account # XXXX Has 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

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 2018-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two checking accounts with Bank of America. On XX/XX/18, I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had a balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee, because I never signed for overdraft protection and any transaction will come to my account should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he was a manager in West Virginia. Mr. XXXX refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 but Bank of America already charged me a overdraft fee on XX/XX/2018.

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 2018-10-26
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax mentioned that they investigated the information from XXXX XXXX that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 60 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

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 2023-01-24
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I stopped using the credit card when it changed from XXXX XXXX XXXX to Marcus by Goldman Sachs about XXXX years ago. There happened to be a balance and fees on the card which I paid and closed the card at that time. I forgot about the card. 
It so happened that there was XXXX XXXX remaining balance on the card. I was sure the card had been closed... Then after a few months I was somehow informed that there was a XXXX balance on the card which I considered closed. I called them and tried to explain that I didn't need to use the card and if they wanted me to pay the XXXXXXXX XXXX balance they should have notified me about the balance instead of keeping it open despite my decision to close it and adding monthly late/non-payment charges to it. 
The bank people are now calling me and threatening with collection. Please help me to solve this situation with the GS bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: Bread Financial Holdings, Inc.
State: SC
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:
This is the THIRD time I have attempted to resolve this issue with Comenity Bank/Ny & Co and now this company is AGAIN reporting this account as a charge off. The original complaint I submitted to the CFPB is XXXX and will be attached for your review. I received a credit alert yesterday and this error decreased my credit score by XXXX points. If Ny & Co can't get this corrected, please remove this tradeline from my credit report as it is damaging and preventing me from qualifying for future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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 Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ! 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CITIBANK, N.A.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When  Costco  made the change fro m Amex to Visa,      Citibank issued me a new credit card. I am also a citibank banking customer. I never used my new credit card, except as a costco membership card, I have other visas that I prefer using. T he card was also never added to my online account.     After roughly 9 month s, Citi close d the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX  's  credit score m onitoring service, if it had not been for this  Citi would still never have informed me of the charge. I started calling Citi to figure out which account had a notice of delinquency, and when they identified the Costco account, I did n't understand, never having spent money on it. It turned out that I was charged the Costco membership fee ( automatically )  on that card, and was never told about it. By that point my payment was about 6 months late and had an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that citi dealt with this situation poorly.     However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  Citi has been impossible and they say nothing can be done now. They actually made the claim that since Citi has NEVER misreported credit data, they do n't have a way t o rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Kikoff Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Kikoff is not reporting to XXXX with current payments that have been reporting to all other consumer reporting agencies. I would like this to be updated so that I can gain positive reporting for XXXX that is currently not reflecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: General Motors Financial Company, 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 recent pulled my credit because Im looking for a new homes I found fraudulent accounts and inquiries I didnt authorize I dispute with companies and bureaus its been over 30 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
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 is missing that should be on the report

Complaint:
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation :  1 .  XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   4.  Bank  XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX  6.  XXXX   XXXX .  XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX  Mortgage  XXXX   9.     XXXX    XXXX   10.    XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$0.00} XXXX XXXXXXXX-Balance {$440.00} XXXX XXXXXXXXBalance {$840.00} XXXX XXXX XXXXXXXXBalance {$560.00}

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 2023-05-27
Company: Experian Information Solutions Inc.
State: IA
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, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 
In Accordance with the Fair Credit Reporting act, DEPT OF EDUCATIONXXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been clients of   XXXX   XXXX   XXXX   for years. We had both our business accounts as well as our personal accounts with them and in all the years we had been with them we never had any problems, until they were bought out b y Key Bank. Upon the transition we have experienced nothing b  ut one  problem after another. Our first problem was with a pre-approval for a second home in Florida. The original documents dated  XXXX  In the amount as {$350000.00} for 60 days. We contacted Key bank and requested an up dated letter because we were heading back to Florida to look for a home. We have emails and text messages to back up the request. Never heard back from the lender. We came home after a week I conta cted the Lender  in  XXXX  and requested an update pr-approval becuase I was heading back to Florida. I received it on  XXXX  and noticed it expired on  XXXX   XXXX  Contacted them again received the correct  XXXX  on  XXXX  with a much lesser amount. I was told that was based on a Mortgage being paid off and it was a rental property mortgage was paid but now they said it needed to be our first mortgage at  XXXX . Again I have supporting emails and text message that clearly states just  XXXX  rental mortgage needed to be paid off. After this situation with the Mortgage and several other erros that were made my husband and I decided to go to another bank. We were approved by this other bank and requested pay-off on the home equity line of credit  XXXX  received pay-off on  XXXX . Next issue a commercial appraisal was done  XXXX  we request a copy because it was withi n a one  year period that request was made approximately  XXXX  said it would tak e two da ys. called numerous times on  XXXX  we were told it was emailed to our new lender at  XXXX  on  XXXX . Found out that was not the truth there was no appraisal it was an in house appraisal that was on  XXXX  on  XXXX  a request was made for commercial loan pay-offs on  XXXX  we received a payoff good through  XXXX . Called request a correct pay-off  XXXX  received the correct pay-off. On  XXXX  received a pay-off on second commercial loan showing a pre-payment penalty amount of {$16000.00}. there is a 1.25 % penalty for early pay-off contact my branch to find out what was going on. said they would get back to me there is an error I have called numerous times, emails still do not have a correct payoff as of  XXXX . My closing has been held up for weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXX damage damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have five different accounts on my credit report saying that I owe them money for medical bills from XXXX  XXXX  hospital. For one I never went to XXXX XXXX hospital on or even around these dates and even if I did which I didnt I had XXXX which paid for every medical expense I had. I think someone must have gotten a hold of my information and use it. I have a bad credit score because of this and its not fair because this isnt even from me and its thousands of dollars. Please help me. This is affecting my life making it to where I cant even build my credit due to these fraudulent accounts. They are with XXXX XXXX XXXX and XXXX XXXX XXXX. And some of them are even recent and I have been to that hospital in at least five years or more. And I had XXXX from XXXX to XXXX. Please help 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