BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Triple AC Resolutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company called my phone from XXXX and proceeded to tell me I owe a debt to XXXX XXXX XXXX I informed them that I have a paid in full letter and that I need their email address. I tried to send the letter by email and it came back as not a valid email XXXX The lady threatened at that time that if I don't pay it will go on my credit report and legal action will be taken.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-28
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 List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section2 : 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 rights to privacy 15 USC 1681 Section 604 A section 2 : It also states that A consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat any late payment on a credit card account under all 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 explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage loan was sold to Seterus XXXX XXXX. I went to by a car in XXXX XXXX and was denied a loan. It was discovered that Seterus was not reporting my mortgage payments which caused my credit score to drop by almost XXXX points. I immediately called Seterus and they identified that my mortgage payments were not being report and stated that they would start reporting and it will take 30 to 45 days. After 45 days they were still not being reported and I called them again. I was told that they only report missed payments. I contacted XXXX XXXX to file a complaint and XXXX @ XXXX XXXX XXXXXXXX XXXX contacted Seterus to advise them that they need to correct this by reporting my payments. They advised her that they had problems with there system reporting payments. As of XXXX XXXX they reported to XXXX only and falsely reported that they have had my mortgage since XXXX. The last credit report I pulled showed this and it also showed that the last payment that I made was XXXX of XXXX. This is incorrect because I pulled the credit report at the beginning of XXXX and I paid XXXX, XXXX and XXXX 's payment on time. I am trying to buy a car and move into a new home and this has negatively effected my way of life in a tremendous way.Thank you for your attention to this matter.

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 2017-05-16
Company: EQUIFAX, 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:
XXXX   XXXX ,   XXXX    Bureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX   XXXX   DC  XXXX   XXXX  : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It  May  Concern : On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law. Equifax has not followed the law because they have not deleted the information per their own investigation.     I also understand that may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
# 1 ) Ok I called to have stop payment on my card. The did that but they restricted that card and sent me an new one. I didn't find out until I was at the store with a basket full of stuff # 2 ) They have been charging me XXXX a month for a banking fee when I am on SSA and am XXXX. 
# 3 ) I think Bank of America has, with certain accounts, like, a bank within a bank, certain accounts are files. And the card number you have on your card triggers the file. And it is a hidden file. MY old card ended in XXXX. The card they are sending me ends in XXXX. I am pretty sure BOA is not above board. I have had this account for 15 years. I am telling you something stinks.

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 2023-10-03
Company: Sterling Credit Corp.
State: KY
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called XXXX STERLING XXXX XXXX to verify why is this on my credit report i never lived in ohio and its affecting my credit they wanted my ceedit card information and i refused they started cussing me out on the phone I realized this is a scam and they do not want to remove this off my credit

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was supposed to receive a {$500.00} bonus for opening a business account in XX/XX/2023. Opened XX/XX/2023. I've completed all terms and have not received the bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2017-05-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In eith er  XX/XX/XXXX  or  XX/XX/XXXX  I appl ied for a credit card wit h    XXXX   XXXX   / XXXX /  XXXX   A ccount #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I w as made aware by    XXXX   XXXX  / XXXX  that my account was past due {$130.00}. These charges were for a {$75.00}  annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represen tative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Althou gh   XXXX   XXXX  / XXXX /  XXXX    updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment o n my credit for     XX/XX/XXXX   . I tri ed calling them again and even contacting the  XXXX  credit bureaus  (  XXXX   XXXX  ,  Equifax, and  XXXX   ) but, the late   payment is still there! How can this company report a   XXXX   day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In either   XX/XX/XXXX   or   XX/XX/XXXX  I  applied for a credit card with  XXXX    XXXX  Account   #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX   I was made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and  # 1 NEVER RECEIVED THE CARD AND # 2 NEVER A CTIVATED THE CARD. When I questioned the representative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  credit bureaus  (    XXXX   XXXX   and    TransUnion   )  but, the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have disputed the items below on XX/XX/2022 but the bureaus did not remove them or prove validation. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On the XXXX of XX/XX/2023 I received an email from Bank of America asking to verify my account, then a followed-up email saying that I have enrolled in online banking and last another email informing me that my application to open up a checking account was denied. I did not apply for any type of banking products from Bank of America. I did reach out to them today the XXXX of XX/XX/2023 about the emails and they did confirm that it was a case of stolen identity. The Bank of America representative did say that the application was denied and that no further action is needed. They did make some suggestion on making an official complaint with the FTC and to notify the Credit Bureau to freeze my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.

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 2023-05-01
Company: Genesis FS Card Services, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a bill with a XXXX XXXX yearly fee dated XX/XX/23 plus interest from Genesis FS card services, XXXX, GA. Its a Destiny credit card. 
I didnt get a charge card, just the bill. I called to report the fraud and close the account. The woman said I could report the fraud to you, but it would take 60 days to process the complaint. 
I instructed her to immediately close the account. 
I dont know how they got my name and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
n accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account Name : XXXX XXXX Account Balance : XXXX Account # XXXX Account Name : XXXX Account Balance : XXXX Account Number:XXXX  Account Name : XXXX Account Balance : {$370.00} Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Balance:XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Balance XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Untitled 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 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 2023-09-12
Company: ALCHRO INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In May a debt I had for a medical service I received last year was sent to collections. 
I began making payment relatively soon thereafter, eventually landing on $ XXXX towards the {$1300.00} debt. 

As I was making payments, right after a month where I had actually made two payments, they added the report to collections on my credit. I was under the impression that the debt was being paid so it would not go to collections. 

I believe that paying off the debt on the payment plan should have prevented me it from going on my credit report. Moreover, I should have received notice before it went on my credit report. I received nothing. 

During the whole process, I received limited communication from this business and it was not made clear to me that I was imminently going to have this reported to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-24
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/2019 I DISPUTED THIS MEDICAL ACCOUNT WITH ALL 3 CREDIT BUREAUS, IT WAS REMOVED FROM XXXX BUT STILL REMAINS ON XXXX  AND XXXX. I NEVER RECEIVED ANY LETTERS REGARDING THIS ACCOUNT TOTALING {$120.00} BEFORE IT WAS PLACED ON MY CREDIT FILE. I CALLED LJ ROSS ASSOCIATES AND SPOKE TO A REPRESENTATIVE. I INFORMED THIS PERSON I HAVE MEDICAL INSURANCE AND DID SO DURING THE DATE LISTED ON CREDIT REPORT FOR THIS ACCOUNT AND MY MEDICAL INSURANCE COVER MY MEDICAL CARE 100 %. THE REPRESENTATIVE STATED THEY WOULD CONTACT THE ORIGINAL CREDITOR TO TRY TO OBTAIN INFORMATION ABOUT THIS ACCOUNT. LJ ROSS VERIFIED THIS ACCOUNT RECENTLY WITH BOTH XXXX AND XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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