BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent 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 Im 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 30 days 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 stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: AZ
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:
accounts opened without my consent and I have been paying for this for the last decade on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXXXXXX XXXX-Account # XXXX has violated my rights as a consumer. 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 an account without my written instructions 15 U.S. Code 1681s2 : 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. 
No consent was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number.

Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. 
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights 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 2022-11-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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:
TILA VIOLATIONS. FRAUD. XXXX XXXX. PLEASE SEE ATTACHED NOTICE REGARDING MULTIPLE VIOLATIONS BY XXXX, NISSAN MOTOR ACCEPTANCE COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Old information reappears or never goes away

Complaint:
I am submitting this Complaint to bring to TransUnion 's immediate attention a serious discrepancy in the information that TransUnion have reported on my credit profile. It has come to my attention that TransUnion are currently reporting a DELETED account/information from other credit bureaus. I must remind TransUnion that as per the Fair Credit Reporting Act ( FCRA ), it is paramount that the information TransUnion report is 100 % accurate. Therefore, I demand that TransUnion IMMEDIATELY REMOVE this account from my credit report as soon as possible. It is evident that there has been a grave oversight on the part of TransUnion Credit Bureau. The fact that TransUnion are still reporting an account/information that has been deleted by other bureaus suggests a blatant violation of the FCRA regulations XXXX I can not stress enough the importance of maintaining accurate and up-to-date credit information, as it directly affects my financial well-being. The following items must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; I expect TransUnion Credit Bureau XXXX XXXX this matter with utmost urgency and accuracy. It is TransUnion 's legal obligation to ensure that the information TransUnion report is accurate, complete, and free from errors. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is TransUnion 's responsibility to conduct a thorough investigation into the matter at hand.

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 2020-08-15
Company: EQUIFAX, INC.
State: PR
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: Problem with personal statement of dispute

Complaint:
XXXX double cash ending XXXX and XXXX anywhere ending XXXX I am not satisfied with the excuses that they give me to reduce my limits on the above cards because none were at the limit or overdraft so I request an arrangement in this situation otherwise I will write wherever necessary this is an abusive, misleading, unsatisfied practice entirely from XXXX bank. this was my person an unjust act and a totally abusive practice. 

XXXX has an unfair, misleading, abusive and discriminatory conduct the level of my line on these cards were low never abuse to take them to the limit and of course that my score is low if this entity treats in an unfair way the people we pay well if MOROSITY and NEVER to the limit of credit. WHAT XXXX IS CONCERNED WITH IS TO BE PENDING ON YOUR ACCOUNTS, IN ADDITION I DID NOT REQUEST ANY INCREASE TO VERIFY MY SCORE IS NOT AUTHORIZED AND POINT. THE OTHER ACCOUNTS I HAVE HAVE NOTHING TO DO WITH XXXX AND IT WAS ALSO FOR A XXXX TREATMENT AND THESE OTHER ENTITIES THANK THAT I AM A MEMBER AND YOU WHO HAVE NOTHING TO SEE TAKE INAPPROPRIATE ACTIONS WHICH HAVE CAUSED NO DAMAGE TO US A LAPTOP FOR MY SON 'S UNIVERSITY. THEY HAVE NOT BEEN FAIR OR TRANSPARENT TO BE ABLE TO ACCESS OTHER MARKETS. IN THIS CASE, THE FEDERAL LAWS WOULD HAVE TO INVESTIGATE THIS CASE PERCE BECAUSE XXXX IS BREACHING CERTAIN REGULATIONS SUCH AS REGULATION Z, I REMIND YOU THAT I WORK IN A XXXX   AND I KNOW MY RIGHTS OF LA AZ-19 NOR EVEN TIMES ONLY NO MORATORIUM I HAVE KEPT PAYING MORE THAN THE MINIMUM ON BOTH CARDS THEY ARE NOT TREATING ME A FAIR AMANERA IN XXXX.THIS MENTIONED IN YOUR LETTER IS TRULY FALSE IF A YEAR-OLD CUSTOMER AT YOUR INSTITUTION AND HAS BEEN TWO YEAR-OLD CUSTOMER IN THE CITY CASH DOUBLE DOUBLE YEARS. IT'S NOT THAT THEY'RE LAMENT IT DOESN'T USE ANYTHING THAT EXPRESSION IS THAT THEY RESOLVE IT IN A FAIR WAY FOR BOTH PARTIES.ALTHOUGH IT SHOULD BE TRANSPARENT TO YOU, I WILL ATTACH EVIDENCE OF MY XXXX AND XXXX TREATMENT THAT YOU DO NOT EVEN USE THESE CARDS FROM YOUR BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.

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 2020-08-15
Company: AMERIS BANCORP
State: TX
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:
was trying to purchase a new home when I checked my credit and noticed Ameris Bank had reported on my XXXX that a payed my car off completely! This resulted in a 35 point decrease in which after over a month now still hasn't been fixed or updated. I have reached out 2 times on the matter and they have said itll fix itself when they do the next reporting ... ... .. meanwhile my credit is shot and I cant get leading from a bank for a house ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: General Motors Financial Company, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One I am having a problem with XXXX reporting information XXXX late for this account on XX/XX/2022. XXXX and XXXX are reporting the information correctly reflective of NO late payments. 

I have reached out to the creditor previously and the information was updated for XXXX, and XXXX. I would like to have this corrected as stated No Late Payments for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/2019 for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: AZ
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-09-21
Company: Experian Information Solutions 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 found disputes with the three measurement major credit bureaus and they're telling me that the information was verified and how can it be verified if it's not mine. I do not have any medical bills that are outstanding. That's it that's all there is to say it's not me they need to take it off and don't just dismiss my dispute.

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 2023-11-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account in XXXX  with Citibank after receiving a promotional flyer in the mail offering a {$400.00} cash bonus after depositing a certain amount and keeping it in the account for 60 days. I honored my side and followed all of the rules and criteria to qualify, and the bonus was not ever deposited. When I called, I got the run-around. A dispute would be opened and it would be 'resolved ' by Citibank saying that I did not qualify for that promotion, even after I submitted documentation showing the flyer and all of the criteria followed. It has been a complete disappointment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fraud inquiry. Called and even have letter saying deleted. Still on report so disputed again and now the day will remain. Its fraud! For XXXX XXXX ss XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Other problem

Complaint:
When interests rates went up around XX/XX/XXXX I made a few payment at the higher minimum requirement but after losing work I couldn't make those higher payments. I tried to talk to BofA, requesting the interest rate be lowered or the monthly payment be lowered but they didn't work with me. XX/XX/XXXX I continued to make payments I could afford but they were less than the minimum required. 

I received an email statement showing the balance owed on XX/XX/XXXX. Then on XX/XX/XXXX I received three emails, two stating " finance charge credit '' and one stopping ebills. I then received 1 more email on XXXX XXXX with balance due. 

I didn't hear from BofA again until XX/XX/XXXX when it was transferred to a collections agency. 

I have been trying to get information on why the " finance charge credit '' is not showing. I believe that the amount owed should be less based on these 2 emails but I can't get anyone to track down the reason the email say I received a credit on my account and yet no balance change.

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 2018-12-07
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX is the company. My complaint is for Unfair Trade Practices. Their website provides incorrect contact information, two phone numbers both go to an automated teller. One states it is to contact a Customer Service Representative. The website shows incorrect available hours - the site shows XXXX to XXXX. Customer Support is available XXXX-XXXX but I only found this out after making three different calls. They contacted me in regards to a late payment on XX/XX/18 stating I needed to contact them to avoid delinquency. I called them as directed but the CSR did not mention I could pay by check over the phone or that I was required to make the  payment that day. The CSR went into sales mode and starting discussing loan modification. I called a second time that same evening because I wanted to confirm if I was required to modify my loan or if it was optional. In both calls I communicated that I would make a payment on the XX/XX/XXXX and a 2nd payment on XX/XX/XXXX. The next day, XX/XX/18, they hit my credit score. If they had been upfront about what was going to occur I would have made the payment on XX/XX/18. Today I contacted them to discuss this and I was told that they were not credit counselors and were not required to provide that information. I was also told they don't take payments in advance. I made a payment today on-line ( XX/XX/XXXX ) and then made a second advanced payment for XX/XX/18 via a phone call. I received a confirmation number for the XX/XX/18 payment. Which is it, they take a payment in advance or they don't? Is there no honesty in banking any more. XXXX XXXX got away with being shady and now BB & T.

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