BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NJ
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:
Name- XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX. 
DOB- XX/XX/1993 SSN- XXXX On XX/XX/XXXX i received my updated credit report from Equifax and noticed multiple discrepancies. I had previously sent them a letter letting them know some unauthorized and inaccurate accounts reporting on my credit profile, however nothing has changed. 

I'm afraid the inaccurate information on my profile is holding me back getting approved for a house for my family. 

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. 

I told Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Capital XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX : XXXX However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Sent multiple certified letters to Transunion about unauthorized inquiries to be remov ed and I got two letters the same day, one said they do n't have those records in my file and the other contained 500 pages of mixed credit reports, mine and a bunch of other people ... VERY ALARMING. I called them and they said they have more than one report on me and try to explain it as Senior vs Junior ( I do n't go by either ) apartment number was being reported on me when I 've lived in the same house for fifteen years. They supervisor said he notice some mixing up and need to send it to some other dept but I never heard back. My credit score from Transunion is significantly lower than the other reporting agencies. This company needs to get its act together because its messing with financial status.

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 2023-10-02
Company: EQUIFAX, INC.
State: CA
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:
I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. These are the accounts that I need to be removed : XXXX XXXX  XXXX and XXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a Venture card with Capital one and I made a car rental booking with them for XXXX XXXX  and they have banners showing free cancellation on the booking page, but when calling to cancel the reservation they refuse to refund me my money back mentioning fine print abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I wanted to inform all parties that in the last XXXX ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and Disclosure, 623 A1 Responsibilities of the furnisher of information. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] FINAL NOTICE I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

Please delete the following inquires : XXXX XXXX XXXX, XXXX XXXX, XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have a right to accurate information, if the reinstatement of the item on my credit report is found to be inaccurate or incomplete, I have the right to request its removal or correction. I have a right to an explanation per the FCRA and am requesting information as to why adverse information that was previously disputed continues to reappear on my credit report. I have a right to fair credit reporting and request appropriate action to be taken to rectify the situation. I am requesting a written explanation, supported by relevant documentation, detailing the reasons for the reinstatement of the item on my credit report. Additionally, I expect that you conduct a thorough reinvestigation into this matter to ensure the accuracy and completeness of the information on my credit report. Please provide your response within 30 days, as stipulated by the FCRA. Kindly send your written explanation and any accompanying documentation to the address mentioned above. I appreciate your attention to this matter and look forward to your timely response, as well as a prompt resolution to this issue in accordance with my rights as a consumer under the FCRA.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy. 
These names, numbers and addresses do not belong on my credit report. 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
While visiting the branch, I was offered a 0 % and XXXX fee credit card offer which I accepted - branch rep repeatedly told me that " clear value : card has no fees. 
However, upon receipt of the card I was refused XXXX fee part - and old attempts to convince otherwise have failed and my balance transfer still caused 4 % fee being charged. 
I am requesting review of this charge and refund as its existence was not disclosed during the application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I filed a complaint against transunion for accounts that were reporting inaccurately. I filed this complaint through cfpb and also sent dispute via fax and mail. The complaint was filed XX/XX/ complaint # XXXX and below is the response from Transunion. 

" In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED -VERIFIED AS REPORTED NCB MANAGEMENT SERVICES-VERIFIED AS REPORTED CREDIT ACCEPTANCE CORP-UPDATED USBK COURT NORTHERN OHIO-DELETED FIRST NATIONAL CREDIT CA-VERIFIED AS REPORTED CONTINENTAL FIN CO-VERIFIED AS REPORTED FIRST PREMIER BANK-UPDATED CROSS RIVER BANK/SEED-UPDATED SELF FINANCIAL INC/ LEAD BANK-UPDATED '' There are many issues I have with this as this information isn't accurate and is hurting my credit, reputation and ability to purchase a home for my family. They reported the following accounts as reporting-VERIFIED AS REPORTED. I don't believe that anything was investigated and I would like to know the method of verification. I am not asking for another investigation I am asking that this information be removed IMMEDIATELY from my report due to this information is still inaccurate and reporting incorrectly and illegally. 

Account Name : XXXX XXXX XXXX Account XXXX -This account is reporting as an XXXX '' account. Transunion is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " XXXX '' account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date XXXX '' this item. 

They Stated that XXXX XXXX XXXX Ohio was deleted but it is still showing on my credit report. 

The time for updating is over and I want these items deleted not updated. 

I have attached my disputes from the previous complaint and my Id documents. Once again I am not asking for an investigation, I am demanding that these items be deleted immediately due to no method of verification was provided and also illegal and inaccurate reporting.

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 2018-10-24
Company: EQUIFAX, INC.
State: GA
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:
My equifax scire dropped significantly in late XXXX and the reason XXXX XXXX reports reported the change was due to a change in or use of another name on my credit file. The error was reported by Equifax and I obtain the information by reviewing XXXX XXXX   free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to Equifax and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the Equifax score is lower

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Miguel A. Maza & Associates, PSC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX and asked about the debt they had purchased and how I could get assistance with it XXXX On XX/XX/2023 they replied to my email and gave me their collection agency contact information Miguel A. Maza & Associates. I was asked to contact them and that they would be able to help with the payment plans. 

I contacted Miguel A. Maza & Associates on the XXXX of XX/XX/2023 and explained my situation to the person who answered the phone once I finished I was transferred to XXXX XXXX himself, this unethical lawyer after I explained that, that account happened right as the COVID-19 pandemic started and that on multiple occasions I tried to communicate with the company and explained that I was now unemployed due to COVID-19 pandemic but never got a response, I even tried calling but again never get a call back. I also asked him if we could work out a payment plan because I am still unemployed and basically get money off side works that I do therefore I couldn't pay the full amount in one payment. He proceeded to tell me that they dont offer payment plans nor settlements or any type of agreements. He told me to go get a job and that I was going to be sued for everything I have if I dont pay him the XXXX. This lawyer also told me that even if they did payment plan he wouldn't offer one to me because I couldn't pay it. He told me that Puerto Rico has plenty of jobs and that I need to get one. 

I am requesting a formal investigation because this is completely unacceptable from the start when I tried to get help from XXXX XXXX when XXXX first started to now where Miguel A. Maza & Associates refuse to help me pay off this debt and get it off my credit report but instead threaten to sue and take everything I own

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n 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 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

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 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Kohls/Capital One opened XX/XX/XXXX - and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late and old reported lates are appearing on my credit report affecting my XXXX XXXX. These should be removed from my history specifically : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account was closed with {$0.00} balance XX/XX/XXXX- so why are they reporting me 90 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, two seperate withdraws in the amount of {$450.00} and {$1400.00} were taken out of my account due to someone, who was not authorized as an account holder or such, without my permission. Therefore, I lost a total of {$1900.00} total, causing me to overdraft and become financially stripped. 

I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past year, along with having to take my employer to court in order to protect my job, so this has been a major burden on me to say the very least. I understand that things like this are unavoidable at times and do happen ; however, I would like for PNC to make this right for me ( their client/customer ) as this was no fault of my own whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter dated XX/XX/2022, that " I tried to open a credit card for the store, XXXX 's XXXX  '', but that the application was not approved as " further information was necessary for confirmation. '' I never, nor would I ever, apply for this store-based credit card. This is credit card fraud and identity theft. 

The letter was sent from Comenity Bank XXXX Account Protection Team ), which I have tried to call four times alone today, of which, they continuously place me on ridiculous wait times so that I give up. The letter is requesting the fraudulent person to call the bank within 14 days, so that the account can be reviewed and approved. 

This is identity theft and fraud, and I would like this to be addressed. Thank you for your assistance. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Ocwen Financial Corporation
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been approved for XXXX through the Vermont home owners assistance program. My mortgage company PHH keeps stalling and not submitting what is requested of them. They said I had to complete my 90 trial plan first but that is not what state program said. My mortgage company is less than trustworthy. It is PHH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXX/XX/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.

Company response to consumer: Closed with explanation