BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I recently had a theft incident where my gym bag was stolen and my credit card happened to be in my gym bag ; The person who stole my card used it to make multiple purchases. I complained and called Avant to make a fraud report ; they removed the transactions, but two weeks later, they added the total amount back to my balance without informing me of anything. They now ignore me and every one of their representatives transfers me to the fraudulent department, but no one ever helps me. This is very unprofessional. I would like the fraudulent transactions to be permanently removed from my account again. 

Thank you for your help : The people who work in the fraudulent department are very rude and unprofessional. 
Their address, XXXX, and contact information are below : Avant Credit Card XXXX XXXX XXXX XXXX XXXXXXXX Avant branded credit products are issued by : XXXX. 
Avant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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:
I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

XXXX XXXX XXXX XX/XX/XXXX XXXX {$9700.00} {$0.00} XXXX XXXX XXXXXXXX XX/XX/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 2023-05-14
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

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 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Our non profit company XXXX XXXX XXXX and XXXX XXXX has a bank checkings account with Bank Of America. 
We have had fraudulent charges/checks posted on the account since XX/XX/XXXX. 

There were three fraudlent charges made between XX/XX/XXXX and XX/XX/XXXX by the same person who we do not know, and while Bank of America returned two fradulent charges, they said we are liable for the 3rd fraudulant charge. We had immediately contact Bank Of America to alert them about these 3 fraudulent charges of {$1000.00} each. 
We submited an ACH form as per their instructions back in XXXX, XXXX. They have not responded or taken any action on letting us know how to reconsider this and they have given NO reason why we are liable for the third fradulent charge. We desperately need help because this theft has occured on a non-profit clinical research organization 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 monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX  has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under and 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 2019-08-06
Company: EQUIFAX, INC.
State: HI
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 following companies ran unauthorized credit inquiry on my credit report. Please remove these inquiries as these are suspicious to me : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: EQUIFAX, INC.
State: NY
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:
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX  respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid 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:
When my Best Buy credit card statement was received XX/XX/XXXX, the only charges on it were 4 that were not recognized by myself or my husband. I went to the 2 websites listed and had never seen them before. I called the 2 numbers listed and got the same recording on both, '' this number no longer active ''. I felt that someone had gotten my credit card number and was using it illegitimately. I called customer service and explained that I didn't know what these charges were for and could not reach the merchant. A fraud investigation was opened and the account closed and a new account opened. I destroyed the old cards and when the new cards were received we put them aside until the problem was settled. Since then I have called Best Buy 12 times and spoken to over 20 people in an attempt to get this resolved. It was changed to a billing dispute from a fraud investigation when the fraud investigator said it looked like a free trial that inadvertently enrolled me for continuing shipments. She asked if I had ever clicked on an e-mail for free samples. I said that i had clicked on an e-mail for samples from a company called XXXX several months before. I had difficulty getting out of the site, every time I clicked exit, I went to another screen. I think that finally I had to close the browser to get out. I never received an e-mail confirming the purchase and when the samples came there was no statement enclosed. The product was so unprofessional appearing that I never even tried it. There were no further mailings. She recommended changing it to a billing dispute. This was done on XX/XX/XXXX. It has now been 3 months and my bill has grown from {$140.00} to {$250.00}. Over the holidays I started getting XXXX phone calls, even though every time I have called and asked what to do about the bill, they tell me it will be corrected and not to pay it. My last contact XX/XX/XXXX again told that mistakes had been made in my account but that it would have to go to the actual investigators to be resolved and that couldn't happen at least until Monday. I was advised to wait a few more days and call back. I requested that the investigator call me back when it was settled. I decided to go ahead and file a complaint because I have heard that this is all going to be straightened out soon at least 3 times before.

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 2023-12-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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:
Sending this complaint means that I am expecting a deletion from you within the upcoming 15 days as I am updating my credit reports. And I am positively anticipating such resolution to fix the negative impact brought by these fraudulent items that I listed in complaint. I also included in this complaint just like my previous complaint dated XX/XX/XXXX, the FTC Reports that I filed with reference # : XXXX, XXXX & XXXX. I really appreciate the efforts done by the Bureaus to remove some items but these items should be included in those items that were already REMOVED from my credit file. Please see the items that I listed in each Bureaus, for your reference : -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -EQUIFAX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX  Balance : {$3300.00} XXXX XXXX XXXXXXXX XXXX : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-12-08
Company: EQUIFAX, INC.
State: PA
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:
I am writing to formally submit a complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 
151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
RE : ATTACHED XX/XX/2021 LETTER FROM SUNTRUST RE : SUNTRUST BANK COMMERCIAL LOAN ACCOUNT # XXXX RE : SUNTRUST MORTGAGE INC. LOAN ACCOUNT # XXXX RE : SUNTRUST MORTGAGE INC. LOAN ACCOUNT # XXXX PLEASE PROVIDE ALL RECORDS AND THE FULL ACCOUNTING PERTAINING TO ABOVE THREE LOAN ACCOUNTS. 

PLEASE PROVIDE COPES OF RECORDED CONSTRUCTION MORTGAGE LOAN AND PERMANENT MORTGAGE LOAN PERTAINING TO ABOVE LOAN ACCOUNTS. 

THANK YOU, 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 2023-01-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through Experian only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.

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 2021-08-16
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
This is debt is more than 20 plus years, it is to my knowledge that after 7 years it can not be collected on.

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 2023-12-12
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not recognize this debt collection I have asked to this collection to be removed from my credit report and the equifax and XXXX did not do as Ive asked Please help me to solve this issue because this is not accurate I am requesting this collection to be removed from my credit report because it is inaccurate Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: MD
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:
I sent my FTC report to Equifax for review of the fraudulent accounts on my consumer file and Equifax is still reporting the inaccurate information. Even though Equifax has sent me two separate letters stating that the information wasn't being reported. I have checked my consumer file and the information is still reporting. There are fraudulent account from XXXX XXXX XXXX  and XXXX XXXX still reporting.As a consumer the information on my consumer file is suppose to be accurate. I'm enclosing a copy of my FTC report as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: TN
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.

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 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 2023-12-12
Company: EQUIFAX, INC.
State: AZ
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 IDENTIY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE PURSUANT TO SECTION XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: DISCOVER BANK
State: PA
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:
Discover use to have a balance of XXXX but now went down XXXX based on a car I voluntarily surrender and paid XXXX for a 3 year lease car so discover is going based on a shortage of XXXX for the XX/XX/XXXX XXXX XXXX n I voluntarily surrender n only owe XXXX n discover card hurt my credit report they said I have 2 take it out w u guys ... I am XXXX XXXX but discover still got there money.. I'm sooo upset

Company response to consumer: Closed with explanation