BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : 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 2023-04-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had a credit card with XXXX which was with Comenity Bank which I closed and was paying on the balance. The account was closed in XX/XX/XXXX. At some point it switch to Bread Financial, with no notice to me. Bread Fianancial decided to open the credit card account back up without my permission. I had absolutely no knowledge. I paid the balance in full in XX/XX/XXXX and never heard anything from them. Now in XXXX they send me a bill of {$47.00} and charging me money when the account was paid in full. It appears that at some point during the transfer they have done this to many customers and are now charging them. I tried to talk with their rude and unprofessional customer service but they only want to continue to charge me.This account was closed by me and I did not authorize for them to open it up. I had no idea that they even exist since no notice was ever sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: CT
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:
The account XXXX XXXX  for the amount of {$3000.00} XXXX XXXX  XXXX is fraudulent and I filed a FTC report. Please remove this account from my credit. 
15 USC 1681b Permissible Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts/items are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have made many attempts to reach out to XXXX Credit Bureaus but failed to give me any results or feedback about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you. Inaccurate Name : XXXX XXXX, Inaccurate Address : XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX, INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Target Red Card, which is their store credit card. For the last several weeks, every day when I try to log in to check my account balance, it would show that my account is locked out. I had been calling every day to have my account unlocked just so I can make sure the transactions are valid on my account, and to make sure my account is current. Today when I called the representative to get my account unlocked, she canceled my XXXX XXXX without me asking for it and said it would take 10 business days for them to send my new XXXX XXXX. I explained that this does not work as I need it sooner to do XXXX shopping. She then proceeded to expedite my card and then charged me {$15.00} without confirming with me if I agree to the charge. I asked her to either waive the charge or uncancel my old XXXX, but she refused to do either. I asked to talk to the supervisor. The supervisor could not give me a timeline when my account lock out issue would be resolved. In addition, she would not waive the {$15.00}. Then she hung up on me. I would like XXXX to please waive the {$15.00} fee for sending me my new XXXX XXXX or XXXX my old XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX. On XX/XX/2021, there was an unauthorized transactions for " XXXX XXXX '' in the amount of {$970.00} and " XXXX XXXX '' for {$370.00}. These are unauthorized transactions that were made fraudulently on my account. Chime Bank has denied my claim and hasn't supplied a valid reason for doing so. They also didn't include the second unauthorized transaction for " XXXX XXXX '' {$370.00} in the claim, which was denied anyway. I am entitled to a refund for these unauthorized transactions as they weren't made by me, they were made fraudulently and stolen from my account. Chime is fraudulently withholding my funds for these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, My name is XXXX XXXX. 

I used XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received at home a notification from Wakefield and Associtates LLC, which is dept collector company saying that had services rendered at XXXX XXXX XXXX and they were engaged to collect {$180.00} that I owe them. 
On XX/XX/XXXX, when I used XXXX XXXX XXXX XXXX, I have shared my health insurance with them and they never mentioned that I have something to pay. As well on my online acocunt that I have with them there was notthing to pay for this services. However the amount is insignificant and it would have not been an issued if they would have been informed me about it. 
I never had a delay in my payments and this is really something that I would have never expected. 
Moreover is less than a month since the time I used the serives until the time I received a notice at home about this debt. I found this as unusual and not right. 

I need to know what are the next steps insolving this issue. I don't want to have credit report issues due to this situation, out of my control. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Collins & Hilton Asset Group, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original purchase amount in XX/XX/XXXX was {$XXXX}. 
Car was repossessed in XXXX of XXXX with only one payment of XXXX not paid. 
They are reporting that I owe XXXX on a car that I do not have and didnt originally cost that much and almost a year payments paid on.

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: AZ
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:
On XX/XX/23, I sent dispute letters to XXXX, Equifax and XXXX to dispute inaccurate and obsolte information appearing on my credit report. To date, I received a " stall tactic '' letter from XXXX which simply said that they received a letter from me and if it was from a credit repair company, there's no need, they can help me but did nothing to satisfy my concerns and to date, I have received no reply from XXXX or Equifax. They ignored my inquiry. Their lack of response has left me feeling stressed, frustrated and as though I am not valued and that my rights under the Fair Credit Reporting Act don't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: NV
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:
There is a bankruptcy reporting on my credit report that should not be. I have gotten documentation from the XXXX XXXX bankruptcy court stating they do not correspond with credit reporting agencies. I have gotten documentation from XXXX XXXX that the docket number to the bankruptcy in question is no longer reporting on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The response the company provided did not address my offer to pay the loan nor has there been a response from the company so the issue is still open. Getting in touch with my home preservation specialist, XXXX XXXX XXXX XXXX is challenging. I was hoping to speak to her today but wasn't able to reach her.

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 2019-11-21
Company: EQUIFAX, INC.
State: CO
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 sent a letter asking for accounts on my credit to be removed. 1st letter was verified, second letter its been way past 30 days no response. I have documentation of letters being sent as well as certified mail showing they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used Venmo to transfer money from time to time and for my unemployment check. I also accidentally transferred my income tax refund into the Venmo account. However they froze my account and it has a balance of XXXX and its been over 180 days and my money still hasnt been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Bread Financial 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:
I contacted Community Bank on three occasions because the company is erroneously reporting to transunion that I made late payments on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. However, my account with Community Bank/ Victoria 's Secret has been closed since XX/XX/2020 and paid in full. I have not been late on making any payments in 2020 and this information is incorrect and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$16000.00} ; UTILITY SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; XXXX SELF-REPORTED XXXX Balance : {$790.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$73.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company 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 2023-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX to XX/XX/XXXX there was a XXXX XXXX emergency transfer in the amount of {$1800.00} from my Bank of America EDD account. Six days later the exact same transaction happened again for the amount of {$990.00}. I filed a claim with Bank of America prepaid claims services in XXXX when I saw the error. Two days later, Bank of America denied my claim. I requested I reconsideration six days later Bank of America sent me a letter stating that the transaction was completed by me, but if I didnt do it, I know who did. I have provided a police report a complaint from the United States Postal Service, my own written statement and a statement from the appeal judge who also stated that someone had been fraudulently using my identification to withdraw friends. so now the bank is moving to field goal I have 45 days for reconsideration. They sent me a letter stating that the claim had been resolved, and that the card on file had been mailed to an address for me that the bank has on file, and my credentials were used to turn on the card. This was not a card transaction this was an emergency transfer. Then they tried to tell me that I couldnt file a claim because my account had been closed last year in XXXX. Ive had to go to the bank four different times in two weeks to verify who I am. so now I ask them to provide me with all the information that they used to make their decision. They sent me one piece of paper with the transaction on it with the time of XXXX not one representative can confirm whether this time is eastern, central, pacific mountain. Please help me get my money back. 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 monetary relief
Consumer complaint received 2022-04-16
Company: Nelnet, Inc.
State: CA
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:
XXXX University XXXX violated my rights on XX/XX/2022. 
US DOEXXXX violated my rights on XX/XX/2022. 
Dept of Education/Nelnet violated my rights on XX/XX/2022. 
US Dep of ED violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c The Federal Trade Commission announced today that its years-long investigation into XXXX University continues to benefit consumers, as the U.S. Department of Education will forgive {$71.00} million in federal student loans for students deceived by the for-profit university, based in part on the FTC 's prior action XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: OH
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 inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to my credit report.

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