BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 non-monetary relief
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX  and my XXXX insure since i been declared XXXX since XXXX please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true 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 explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: IL
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:
Wells Fargo bought XXXX, where I had an account with auto-pay. Wells Fargo did not transfer my auto-pay to my account without notifying me. Subsequently, I was under the impression that this arrangement was transferred since they were responsible for transferring all amounts and methods of payment. As a result, my account was tagged for late payments for three months, which caused my credit score to plummet from XXXX to XXXX and caused other creditors to lower my existing credit cards or cancel the cards altogether in a credit card company where I didn't owe money. although no balance was owed, they closed the account and put me on a payment plan without rectifying the error or adjusting the " bad '' report. I have auto-pay on all my loans and credit cards and have never missed a payment with any source except the situation with Wells Fargo Bank . Even after they set up Autopay after extensive application, they have reported late payments with this in effect. I can provide proof of the reduced payments from my bank statement.

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 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
My account was frozen by Bank of America and they stated that I needed to contact federal trade commission in reference to the hold on their account. The agent then stated that it was a federal order for XXXX XXXX and they will hold every XXXX that comes into the account until they reach {$38000.00} that XXXX XXXX is requesting. I explain to them that Ive had issues with this company four years ago and I switched banks because they allow them to garnish my account before now I am stuck with no money because bank of America is upholding this company with fraudulent phone numbers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Freedom Mortgage Company
State: UT
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:
XXXX and FREEDOM MORTGAGE pulled my credit twice without my authorization. 
my attempts to contact them to have the hard pulls taken off have failed. 
i now have some of my personal information stolen on the dark web. 
i dont know if it was because of them or something else. 
but the credit pulls, i want taken off. i did not authorize that. 
the phone numbers listed for XXXX and FREEDOM MORTGAGE on XXXX  are XXXX and XXXX. 
i did a scan with XXXX XXXX from XXXX and XXXX and found out my personal info has been stolen. i also called XXXX about this and they sent me to XXXX which i didnt know is in XXXX, because of the language barrier and understanding, they werent able to help me to find out who stole my information. I use XXXX, XXXX, XXXX, XXXX, and my place of employment got ransomware attacked, so i have no idea where the theft occured and what to do. no one can help. this all didnt start until XXXX and FREEDOM MORTGAGE pulled my credit without me authorizing it. I have received 2 robocalls since then threatening my arrest and for me to leave work immediately.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-08-23
Company: TRUIST FINANCIAL CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-23
Company: Self Financial 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:
RE : 2 Official Notice Of Pre-Arbitration As I have tried futilelly to solve this problem with honor, respect and good faith. You have dodged, disregarded, and dismissed my attempts to amicably remedy the inaccurate, incomplete information that is reporting on my report and file being furnished by your company. As a financial institution per FCRA, and consumer, reporting, agency. The responsibility to correct these errors is also yours. Please be advised that your company is in violation of 15 USC 6801 15 USC 6802 I never gave your company written consent to report my dataZ I was never advised that you would be reporting my data. 

I was never advised of how to opt out of you reporting my data. 

You are willfully furnishing inaccurate, incomplete information that you have been advised that is reporting on my consumer file, and report. I have a right to privacy, your company has not protected my non-public, private information.Please be advised this is a final attempt to correct, and remedy this An issue which your establishment should reasonably correct, and remedy. 
I advised that there were errors, and inaccuracies, in payment history and the blatant disregard for all these factors has us at this pointZ

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SYNCHRONY FINANCIAL
State: FL
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:
I reached out to SYNCHRONY BANK in regards to my account with them that my credit limit was decreased, I informed them this was unauthorized used of this credit card and that I the consumer received no benefit informed the agent that this is a billing error and I request all and any documentary evidence along whit a full ledger of this account, the agent ignored my request and left the live chat and never acknowledge my request as stated in the live chat with the agent : I am formally giving you notice of this billing error, I the obligor request full file disclosure, additional clarification including documentary evidence for public and private side ( all documents, paper, correspondence, books of account, financial and corporate records, journal and credits of account, ledger and debits of account ). With out the requested documents I the consumer will not be able to clarify and address such subject matter contained in this billing error if the documentary evidence requested is not provided per the law and outside firm will be hired to perform a forensic financial audit for the account utilizing the Bloomberg terminal I expect that you will exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy the agent ignored my request and failed to answer or acknowledge my request and left the chat

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 2022-05-19
Company: LEXISNEXIS
State: TX
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:
I have reached out to LexisNexis on three separate occasions in an effort to get my consumer report from them. They are reporting incorrect bankruptcy information that does not belong to me. They confirm this information to XXXX and XXXX however on the report I received on XX/XX/XXXX there isn't any bankruptcies showing on my XXXX consumer report that said, subsequent attempts to get my consumer report from Lexisnexis has been denied. 

THey asked fr a copy of my Driver License and Social Security card which I have submitted they confirm that they have received and attached to my file however they still deny my request. at this Point THis should be assumed to be collusion between XXXX and Lexisnexis to keep incorrect, illegal and misleading information on my credit report. My family and I have suffered irrecoverable harm because of the actions of LexisNexis and XXXX. It is my wish that they deliver to me a true and correct copy of my Lexisnexis consumer report. That they remove the unverifiable information that they are reporting on me. 

The XXXX XXXX of Texas Bankruptcy court explicitly states that they do not verify Bankruptcy information with any source or requester Both LexisNexis and XXXX need to stop the collusion to keep incorrect information on my Credit reports. the following information is in question with both Lexisnexis and experian and should immediately be removed from both sources. However I have a report Dated XX/XX/XXXX That this information isn't being reported by Lexisnexis. According to XXXX and the fact I can't get Subsequent reports it seems to be. Immediate removal is demanded Public Record DATE Reference # Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to XXXX XXXX XXXX for a purchase agreement and itemized bill which I believe this debt buyer is collecting in an unethical manner and thats a violation of the fair debt collection practices act I have reached out with no answers XXXX  is also reporting to my credit as a charge off which I have not received any 1099-C forms there is also the wrong date information on my credit report as far as when I opened the loan thats inaccurate.and its been over XXXX  days XXXX wand this deleted asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My wife paid my credit card bill for me on XX/XX/2021 for {$400.00}. The customer service rep at the window asked her for her social security number. This is the most invasive thing ever. Her state issued i.d . is enough. This is a security risk. I don't what this person will do with her social security number. I am not happy with this and should not happen with any other customer. The REF : XXXX XXXX XXXX XXXX XXXX ( Payment {$400.00} ) This payment was made at XXXX CST time account ending in XXXX. This is intrusive and sketchy. I think this has potential of stealing her information. This should never happen at this branch again nor any other Capital One location. Nobody should have to give there social security number to make a payment for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am so sick of this. There is an account with XXXX XXXX XXXX XXXX that I have been fighting with for some time now. They are listing two accounts which is not correct to start with because there was not agreement signed for this second loan. What they did is reporting past due payments as an entirely new account and still reported the late payments on the initial agreement. To make a long story short, they notified us that the collateral was being auctioned when we thought it was being paid by the insurance company. As soon as we were notified we paid the amount in full. TransUnion is the only one reporting this false account and not just the fact there was not an agreement for this to be showing as an account but also the fact THERE IS NO MONEY DUE. Also with the initial account this thing shows it opened XX/XX/XXXX and using the correct statue date that would mean the initial account payment history would have shown the account 30 days late XX/XX/XXXX therefore also making it past the statue. So TransUnion has violated, the FCRA by reporting a false account, an incorrect balance and PAST THE STATUE of limitations.

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 2023-11-30
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with? 
What date and time was this investigation Equifax could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/XXXX I returned a set of items to XXXX XXXX XXXX using the XXXX label provided by them. Fedex label with tracking number XXXX. 

Tracking shows that merchandise was sucessfully returned on XX/XX/XXXX. Despite me following exactly the steps requested by the merchant, merchant refuses to refund me for merchandise. Amex is also not supporting me despite all the information I've provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Advance Bureau of Collections
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 not treat a payment on a credit card account under ar open end consumer credit plan as late for gig purpose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have two inquiries from XXXX XXXX I do not know about - 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 explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NY
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : 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 explanation