BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: CA
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 reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-07-26
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Attempted to purchase an item online on XX/XX/2023 Total of sale was agreed upon, {$550.00} Request from the seller to use XXXX or XXXX, I opted for XXXX Made the payment and called to release the money on XX/XX/2023 On XX/XX/2023 was notified of additional {$800.00} shipping insurance, which I declined and realized I was getting scammed Called XXXX immediately to cancel payment because MY Truist account showed the payment as pending and the woman that I spoke to at XXXX told me that it was pending in my account as well as who I sent it to, but that I would have to wait until Monday XX/XX/2023 The payment was still showing as pending on Monday. Called Truist and was told I had to wait until the payment cleared, which I did. 
Called Truist on Tuesday and was told that unfortunately the payment was made and that I needed to file a scam report with them, which I did on Tuesday XX/XX/2023. 
Received an email from Truist on Wednesday that I was denied any monetary compensation because I approved the release. 
While I understand my foolishness and take full responsibility, I am very disappointed that I took the steps immediately to cancel this payment and got no help from XXXX or Truist. Please communicate to banks to insure people, most importantly seniors ( of which I am ) that these transfers are final so that others do not get trapped like I did. 
Thank you for your assistance.

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 2023-05-04
Company: EQUIFAX, INC.
State: MI
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 am a member of XXXX  and they continue to show me reasons why I should leave. In late late last year, I took out two small loans. The were both paid on time and paid off. They were paid off in XXXX of this year. To date, they both still are reporting inaccuracy on my credit report, as open trade lines, which they are not. I have called the XXXX XXXX, 5 times trying to resolve this but I simply get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: DC
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:
15 U.S. Code $ 1681c-2 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 allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: KS
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: Was not notified of investigation status or results

Complaint:
I pulled up my credit report in XXXX using the XXXX XXXX XXXX XXXX website and saw this debt collection from XX/XX/XXXX from XXXX XXXX XXXX  being reported on XXXX  and Equifax. I reached out with a XXXX letter and asked them to validate it on XX/XX/XXXX. It has been over 30 days and i have been completely ignored. They have sent me any information whatsoever and this stuff is still on my credit report. I called the collection company and they couldn't validate anything for me either. How is it still on my report if nobody can verify it as mine .... The only way i can get help is to have you force them to tell me something. ITs been over 30 days and everyone is ignoring me and stressing me out. This has to be a Fair Credit Reporting Act violation right? Nobody seems to care that this is hurting my credit report. Validate it or remove it, and they can't validate it bc it is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Muskegon Car Credit, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, Pursuant to 15 USC 1692g ( b ) I sent a Notice of Dispute on XX/XX/XXXX to Orbit Leasing , Inc. notifying them that I was disputing the alleged account they have on my consumer report for the amount of {$6900.00}. I then sent out a Debt Validation Letter, along with a Cease and Desist on XX/XX/XXXX. It is XX/XX/XXXX and I have yet to receive a response from this company. I do not owe them, and will not pay for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have called Equifax, at least 5 times trying to get this resolved. I have spoken with supervisors and reps and nobody seems to be able to help. I have sent this report, at best, 7 times to them and they refuse to acknowledge the paperwork that was sent to them even though I have return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to submit my personal statement as part of my Identity Theft Report regarding the severe negative impact of identity theft on my financial accounts. While I can not disclose specific account numbers, my XXXX XXXX  account, XXXX XXXXXXXX XXXX, and various other institutions have been compromised, leading to significant financial and emotional distress. 

Discovering that my identity has been stolen has been an incredibly disheartening experience. It has shaken my trust in the security measures employed by financial institutions and has left me feeling vulnerable and violated. The repercussions of this crime have been far-reaching, affecting both my personal and financial well-being. 

The unauthorized access to my XXXX broker account has had immediate and substantial consequences. The perpetrator ( XXXX ) have conducted fraudulent transactions, resulting in substantial financial losses. This has not only depleted my hard-earned savings but has also disrupted my financial plans, causing undue stress and XXXX 

Furthermore, my XXXX XXXX XXXXXXXX account, which I have entrusted with my personal funds and financial stability, has also fallen victim to this identity theft incident. Unauthorized transactions have occurred, compromising the integrity of my account and causing considerable financial turmoil. The emotional toll of constantly monitoring my account for suspicious activity and the fear of further unauthorized access have taken a significant toll on my overall well-being.

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 2021-06-16
Company: Bread Financial 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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 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 2021-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX I have a Bank of America account since XXXX. On XX/XX/XXXX I initiated a debit card claim with BOA. I had to dispute a transaction on my account. The dispute was cleared and my monies were refunded. On XX/XX/XXXX, Bank of America froze my account for no reason. I was not sent a letter I received no call I want aware. I was told to come inside the bank and speak to an advisor. On XX/XX/XXXX, I went to Bank of America in person and I was told to call the number XXXX. I called the number and was told that my account was frozen for no reason given. The advisor was not even able to give me a reason. I can not access my funds. My rent is late, my car note was rejected by the bank and they will not release my funds. They said they can not tell me why me account is frozen, theres no notes. I can not understand how my account can be frozen and no one is able to tell me why and how long. The agent told me Im order to find out when the freeze would be released I would have to call them every day for a status. What???? This should be illegal to withhold money from their own account. What am I to do?? I am asking someone to help me to get my account unfrozen for unknown reasons. How can Bank of America get away with this??? They are not sure why it was frozen and when it will be released, this is illegal to do I thought. I just am now seeing that in XXXX Bank of America was fined for fake fraud alerts on peoples bank accounts. I feel this is my situation because when I called the bank on XX/XX/XXXX none of the bank agents could tell me why I was frozen. They said my account never should have been frozen and this was from their own Fraud Department!

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 2022-08-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax has inaccurately reported information on my consumer report. There has been a breach to their own privacy policy and all negative inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-09-13
Company: SYNCHRONY FINANCIAL
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:
This is a complaint against SYNCB the, I have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
.

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 2023-05-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.

Company response to consumer: Closed with non-monetary relief