BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Synovus Bank
State: FL
Product: Credit reporting 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 fail credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nBt treat a payment on a credit XXXX XXXX account under an open end XXXX consumer credit plan as late for XXXX XXXX it and pyt itin that box g Green Screen XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 reportingact XXXX account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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 explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Incomm Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I called the number on the back of the gift card on XX/XX/XXXX. I was told they needed a copy of the receipt, a copy of my ID, a copy of the front and back of the gift card. After the phone call, I sent all the information that they asked for on XX/XX/2023. The company said it would take up to 45 business days. So I waited and received a email from them on XX/XX/XXXX that asked me to send the receipt as if I did not send it on XX/XX/XXXX. Todays date is XX/XX/2023. I have called on a number of occasions and the information that I requested which was for them to let me know what emails they were able to see that I sent and the company is unable to provide me with the information. I have been waiting for three months for the company to issue me a new gift card because the first one that I purchased was defective. The front of the card only had 12 numbers in the back of the card did not have a security code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I haveing problem with Pnc bank I have smart access every time I get paid I getting money getting stolen from my account I have to get a replacement card each time bank don't protection of my money this 13th time the bank have fil Me I don't get no type of protection from this bank I ben having this problem each and every year still pnc bank accounts get hack I have to wait until it gets posted to dispute the charges that is so wrong for real this need to be fix asap I want my XXXX cent back with my XXXX cent back that hackers took from me all cuz pnc bank can't protect my money and file to let me know my account XXXX XXXX or they XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Asset Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
asset recovery solution is trying to collect on a debt that was discharged in bankrupcy.I have had extensive fraud which i finally just filed bankrupcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: MO
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES TRANSUNION AND XXXX AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND XXXX   AND TRANSUNION BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES TRANSUNION AND XXXX  AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION 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
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
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:
I noticed that there are several names listed on my credit report and several different addresses. I would like to remove all other names and addresses that are not mine. 

I have included the documentation below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported fraud on my Capital One credit card was denied my claim. I refused to accept this denial as these purchased were fraudulently. 

{$35.00} XXXX XXXX  XX/XX/2023 {$8.00} XXXX XX/XX/2023 {$50.00} XXXX  XX/XX/2023 {$10.00} XXXX  XX/XX/2023 {$50.00} XXXX XX/XX/2023 MADE on card ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Brightfunders, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Began loan process in XXXX with XXXX XXXX AMSW Lending. She didn't lock in the rate. She requested and received all the paperwork required to begin the process. Money was requested and received by ASMW. XXXX failed to inform me of any difficulties with the loan but continued to ask for additional money. There was no communication with her after repeated phone calls, texts, and emails. In XXXX XXXX XXXX took over my application and we basically had to begin the process all over again. Requesting the same paperwork and additional funds from us to close on our house. We submitted the paperwork and funds that were requested. We had to buy down the interest rate because they failed to lock in a lower rate. We were delayed several times on the closing because they asked for more information and more money. When we were finally given a closing date after XXXX on XXXX, XX/XX/XXXX to close on XXXX, XX/XX/XXXX. XXXX paperwork should have been sent 3 days prior to closing and that didn't happen. During the closing process we were informed that our first payment would be due on XX/XX/XXXX, less than 30 days from close. We questioned whether or not there was a mistake and the closing officer ( XXXX XXXX ) asked me to call the loan officer ( XXXX XXXX ) to confirm or correct the information. I placed the call in the presence of the closing agents and I was told by XXXX XXXX that if I wanted the due date changed that I would have to give her an additional {$2100.00}. She went on to say that she knew I couldn't do that because ASMW had taken all the money from our accounts. We had no choice but to sign the paperwork or start the process over again. This company is disreputable and the entire process was done in a unprofessional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: NORTHWEST BANCSHARES INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit in the amount of {$18000.00}. on XX/XX/24. This deposit was from my insurance company XXXX XXXX. Northwest bank placed a hold on MY money for 7 days. I spoke to my insurance company the money has been taken out of their account and cleared. I had one person from the bank tell me I could have access to MY money on XXXX and another person told me I cant withdraw MY money until XXXX. I now am not sure how many more days I have to go with no money. My disclosure from Northwest states a 3-5 day hold unless you have been in the negative or account is not in good standing. My account is and has been in good standing. I fully believe Northwest bank is a XXXX bank and judged me by the XXXX of my skin and the car I was driving ( my sons old pickup truck because my car was totaled in an accident ) when they placed a 7 day hold on the check. I was told it is at the discretion of the bank how long the check is on hold. Northwest has the money from my insurance company and they should not get to hold it and make interest off of it for 7 days.

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 2022-12-27
Company: EQUIFAX, INC.
State: VA
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MA
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:
DEAR ; XXXX XXXX XXXX XXXX XXXX XXXX ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I can't withdraw my money just because I don't have a social security I don't understand then why they let me buy crypto and today that I need my money it won't let me withdraw it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to let you know that these accounts below have long been removed from the XXXX Credit report. These items were found to be placed incorrectly on my files by other credit consulting department and I needed immediate action of REMOVALS for all of them. 

XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX am fully aware that all credit consulting bureaus reports and gathers information to a specific creditor or furnishers of information per account. It just doesnt make sense to me why your department still furnishes these items that should already have been removed from my record. If communications were delivered accordingly, shouldnt they also be aware that these entries should have been long gone from my record, since XXXX no longer has it?

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 2023-07-04
Company: Experian Information Solutions Inc.
State: FL
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:
On XXXX I had received a 30 Day Late Payment, due to unemployment. I have a job now that was better than my previous job and I get paid more. I came to an agreement with XXXX XXXX when I spoke to one of their representatives that they are willing to remove my 30 Day Late Payment on my credit report for all 3 bureaus. XXXX already got this remark removed off my credit report. We just need XXXX and Experian to remove the 30 day late payment off 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
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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:
Experian is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; All accounts furnished on my consumer report have not been authorized by me. I never gave experian permission to do so. By don't so they violated.15 U.S. Code 1681b - Permissible purposes of consumer reports ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: MO
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 a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2023-10-17
Company: Dovenmuehle Mortgage, Inc.
State: NY
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 have carefully reviewed my credit report in XXXX credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: MO
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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