BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was enrolled with XXXX XXXX XXXX. Attached are statements verifying enrollment in the program and payments being made for this program ( Highlighted in yellow ). Also attached are the Terms & Conditions for the XXXX XXXX XXXX stating that during enrollment, minimum payments will be covered & fees will be waived. XXXX has reported INACCURATE INFORMATION. Upon calling XXXX, they agreed and stated to reach out to the credit bureaus. 

Account name : # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
EQUIFAX REPORTING INCORRECTLY AND NEEDS TO BE REMOVED. BALANCE OWED, PAYMENT HISTORY, XXXX NOT APPLYING THE GAP INSURANCE. UNDER FCRA, ALL TRADE LINES MUST BE CORRECT OR THEY ARE TOO BE REMOVED. YOU CONTINUE TO UPDATE THE INFORMATION, WHICH IS STILL INCORRECT. THIS WAS NOT IN A COLLECTION STATUS. THEREFORE, YOU MUST REMOVE IT. 
Equifax Account Number XXXX Account Status Closed Account Type Installment Account Type Detail Installment Account Balance Bureau Code Individual Credit Limit Date Last Active XX/XX/XXXX Date Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX High Credit {$10000.00} Last Reported XX/XX/XXXX Month Term Monthly Payment Past Due Payment Status Collection/Chargeoff Comments Charged off account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-26
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company Eastern Account Systems randomly appeared on my credit report in XXXX stating I owed approximately {$2500.00} to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) from just a couple years prior. I did not open the account and did in fact dispute this account but apparently it was somehow verified. However, from XXXX to XXXX I was incarcerated in the glorious XXXX  XXXX XXXX  system, XXXX  to a XXXX XXXX where I live for another 2 years and then to XXXX XXXX which is where I reside today. None of the housing situations I just explained require anyone to need ANY utilities of there own or at all really. Not to mention the timeline does not allow me to open an account like this from XXXX to today. And if this account is older than XXXX its too old to be on my credit report. I have asked XXXX to take it down but from what I hear they are not easy to work with and In my situation I was basically ignored and the account remains on my report where it doesn't belong. Not to mention I was never contacted by XXXX or XXXX regarding any of this it was all a complete surprise. My attorney and checking to see if there is any legal or civil actions I can take against this company unless this report is removed in a timely manor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: NJ
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:
There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21

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 2023-10-17
Company: Bread Financial Holdings, Inc.
State: MI
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 U.S.C 1681 section 602 states I have a 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. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am behind on a single payment ( <30 days ) which I have discussed with the company and made a promise to pay because I have been having an issue with money recently. They have made multiple calls to me from the number ( XXXX ) XXXX. As of today, XX/XX/2023, Comenity Bank has called me a total of 12 times. Exceeding the 7-in-7 rule set forth by the FDCPA. The first set of four ( 4 ) calls being at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Then the second set of four ( 4 ) calls came, at this point equaling out to eight ( 8 ) calls, I returned their call again to explain to them that I will pay and to explain that they have thus violated the 7-in-7 rule by continued calls after speaking with me about this particular debt. The rep I spoke to first said she would update my status to prevent further calls from them to me. Two hours after that phone conversation Comenity proceeds to call me another four ( 4 ) times in which I made another call to them trying to explain what happened the supervisor I spoke with, despite being rude, he tried to explain that " Sir we did NOT try to call you 12 times today I can assure you. '' I proceeded to explain that I have the call logs to prove that they did. He then had me send them the record of the call logs and I attempted to do just that but they rejected it and would not allow my message to go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX Bank of America Closed my checking account ending in # XXXX because of the many Federal Government filed complaints. 
Bank of America was charging me fees. I was in the process of contacting XXXX  XXXX XXXX XXXX XXXX XXXX to have my Lifetime XXXX Retirement Pension in to my new account with Bank of America starting XXXX XXXX. 

Unfortunately, Bank of America Closed my account and Retaliated and Discriminated against me because of my XXXX and my XXXX XXXX as a XXXX XXXX  American. 
I am XXXX XXXX, Retired and a XXXX XXXX XXXX Military Veteran. 
I need my account open with Bank of America so I can have my checking account and have my XXXX Pension going into my account starting XXXX XXXX. 

Did Bank of America violated my ADA XXXX Civil Rights Act under Department of Justice.? 

Bank of America didn't send me no letter that they was going to close my account and there was no reasons for Bank of America to close my 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 2022-06-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I applied with XXXX XXXX for a credit increase on XX/XX/XXXX and was denied because there is a recent delinquency shown on my credit file from Experian that doesn't belong to me. XXXX is the creditor listed for {$500.00} it was opened in XXXX and it doesn't belong to me. Also, I do not see this creditor on my credit report yet Experian is reporting this information to 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
As of XX/XX/, this company refuses to correct the errors in my report. I have provided them with the proper documentation as well as identification. This ha gone on long enough. They are in direct violation of Federal statutes against accurate reporting on credit reports.

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 2022-06-19
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX are you aware of the prosecution The CEO, CFO, Executives or any agent of XXXX XXXX XXXX XXXX will face? The Internal Revenue Service ( IRS ) will be forwarded this letter upon thorough investigation of XXXX XXXX XXXX XXXX deceptive business practices and all the misleading information XXXX XXXX XXXX XXXX has provided to an Consumer, it is unlawful of all your business practices. I am aware of this transaction and you failed to comply and provide full disclosure that my car is 100 % paid for. XXXX XXXX XXXX XXXX will be held accountable believe that as a federally protected Consumer, my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: NV
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was contacted by a XXXX XXXX to invest in XXXX trading. Between XXXX and XXXX of XXXX I invested {$160000.00} of my XXXX funds through Coinbase and XXXX into XXXX  trading. I earned a total of {$340000.00} as of XX/XX/2023. On the next day I was unable to access my account as the website was shut down and the XXXX XXXX was no longer answering my messages and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-13
Company: Exeter Finance Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Exeter Finance On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. 
I provided my social security number in order to seek out financing for this vehicle. 
The total loan amount was {$41000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction.

I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 request the immediate removal of inaccurate late payment entries appearing on my credit report. As a consumer, I have rights protected under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ), which I believe have been violated in this case.

Under 15 USC 1681, Section 604 ( 2 ), my right to privacy appears to have been contravened, given that these late payment entries have been reported without my express written permission. Additionally, 15 USC 1666b states that all, requisite conditions must be met for a payment to be deemed late. I hold that these requirements have not been adhered to in my situation.

Consequently, I am formally requesting the immediate removal of all cited late payment entries from my credit report. Failure to rectify this situation may result in legal action on my part. Furthermore, I reserve the right to increase the demand I anticipate a response within 30 days of this letter 's receipt, confirming the removal of these late payment entries from my credit report. Further non-compliance will leave me with no option but to pursue legal redress. 

Thank you for your prompt attention to this issue. I trust that you will take the necessary steps to correct these inaccuracies. These matters will also be reported to the State legislature, the Attorney General 's office, and the office of the Ombudsman. 




Each and every late payment that has been reported should be removed from my credit report upon receipt of this letter. 
I have previously issued notices regarding this matter and the illegal credit transactions appearing on my report. Non-compliance with this request will push me to take legal action against all the parties involved. 
XXXX XXXX 2 illegal late payments, XXXX Balance {$13000.00} XXXX 2 late payments, account : XXXX Balance {$13000.00} XXXX  1 late payment account XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments of {$9800.00} XXXX XXXX illegal 1 late payment of {$3300.00} XXXX XXXX illegal 1 late payment paid off closed XXXX 1 illegal late payment paid off closed XXXX XXXX XXXX 1 late illegal payment account XXXX {$5400.00} I have attached my letters for your review

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 2018-10-23
Company: PNC Bank N.A.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car from my now ex-husband as a part of our separation agreement. The car was financed with XXXX XXXX XXXX XXXX when he was the owner. I applied for, was approved, and signed loan documents for the auto loan on Wednesday, XX/XX/2018. The bank manager that was at my document signing ( stated ) had not only " never done this before '' but was also being walked through the process by someone on the phone at corporate. Not only were documents missing, my ex husband having to be called back in to sign more documents, more phone calls to corporate, but he also told me that PNC would handle the title and I would have nothing to worry about. I would like to add that I do not feel at all this was his fault, but a lack of training from his superiors on the common products and processes that PNC offers. After numerous calls from him, XXXX messages with PNC bank, dozens of calls made to PNC corporate, including speaking with representatives from their Retail Escalation Unit to include XXXX XXXX, I have been told these conflicting instructions from varying members : PNC would handle the titling, I have nothing to do XXXX would send the title to my ex husband who would give it to me XXXX would send the title directly to the DMV, who would issue the registration XXXX would send the title to PNC corporate in Pennsylvania, who would handle the titling XXXX would send it to the local office, who would handle the titling XXXX would send it directly to me, to take to the DMV PNC needs more time to process the request I have called multiple times and been told multiple things. It has now been over three weeks since I signed my loan documents, with the first payment coming up on a car I can not even drive because it is not registered to anyone, and neither myself nor PNC hold the title currently. Yesterday ( XX/XX/2018 ) I was finally reached out to by XXXX who told me XXXX was sending it directly to me, to my address, which I confirmed with XXXX. She stated they either sent it out on the previous Friday, or they were sending it out that day. Today, ( XX/XX/2018 ) I received notification from my ex husband that he received the title ( XX/XX/XXXX ), at his address, with the title still in his name. I yet again reached out to PNC on XXXX and was asked for a third time for my name and number so someone could resolve this to me. I told them multiple times I would be submitting a CFPB complaint over this atrocity.

Company response to consumer: Closed with explanation