BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The department of education sent me a notice on XX/XX/19 that my wages will be garnished because I didn't respond to a letter I never received. I called them and was forwarded to the collection agency Pioneer Credit who was too busy to help me today and might take 3 days to call back. I already can't pay my bills I can't have money taken out of my checks or I'll be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Information belongs to someone else

Complaint:
Contacted both Transunion as well as XXXX XXXX and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated 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 2023-11-13
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
UNRECOGNIZABLE & UNAUTHORIZED INQUIRIES XXXX XXXXXXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up with XXXX XXXX XXXX in 2016. I agreed to pay a certain amount and when they started debiting a entirely different amount. I sent emails to the representative that helped me sign up with no reply. I have made multiple calls to XXXX to try to resolve this with no success. This is well documented with XXXX. I was mislead and never given a reason why the premyamount changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Credit reporting agency has not corrected errors on credit report in timely manner. Need misinformation removed from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under Fcra sec 623, all data reporting must be 100 % accurate, complete and verifiable. After reviewing my credit file I noticed that XXXX XXXX XXXX XXXX is reporting in accurate late payments during the term of the loan and have reported late payments after the loan was closed. I have made several attempts to correct the situation but to no avail. The account was closed and paid in XX/XX/XXXX. The account is showing late payments for XX/XX/XXXX which has to be in accurate if the account has been paid.

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 2019-03-29
Company: Experian Information Solutions Inc.
State: CA
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:
My complaint is against all 3 credit bureaus : XXXX, XXXX  and Experian. Im a victim of fraud and previously I submitted a complaint against XXXX XXXX since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX XXXX account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX claim as a last warning in case that account still reflects on my 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 2022-09-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ERRONEOUS CLOSING OF MY VICTORIA SECRETS ACCOUNT XXXX I recently called into Victoria Secrets to see if I owed anything this month for my credit card and to my shock and surprise I was told that my credit card was closed due to fraud. I never called and reported fraud on my Victoria Secrets card or to any of the credit bureaus concerning Victorias Secrets. This has hurt my credit score and my business I have a small business and I use the products from this company to fill my orders. I have spent a great deal of money with this company to be treated like this. I called on last week to speak with someone in the fraud department and they told me that they would escalate this to a manager and call me back. I have not heard back from a fraud manager or anyone. This has caused undue stress, with the uncertain future of my business. I have had this card for years. The credit bureaus are supposed to provide accurate reporting. Please forward this note to the attorney general in your state I am in the state of Texas so I can handle the Attorney General filing on this end. Consumers should not have to endure this type of anguish. Today I called Victorias Secret to speak with someone and the automated system hung up on me after I put my information in because it said that my account was closed. This is also embarrassing because it reads on my credit report that account was closed by creditor as if I dont pay my bills. This is defamation of character and an invasion of privacy. This error also violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these accounts immediately. These accounts are fraudulent reporting, I have contacted and place a security freeze on my account and items are still being placed on my consumer report without proper contact to verify this said Information. By LAW & STATUES I have rights that you are violating. I will send out letters to all Credit reporting agencies following this complaint. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Capital One stating that they are closing my account due to inactivity. I feel this is wrong. It will negatively effect my credit report in XXXX ways. It will lower my credit utilization score and it will eliminate my good credit history. I dont think its right that they can hurt my credit score when Ive done nothing wrong. The credit card company is punishing me for not being in their debt. These guidelines need to be reviewed and changed so that people arent punished for a lack of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CT
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:
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 XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: IL
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 writing to address concerning inconsistencies in the reporting of a XXXX XXXX account on Equifax Credit Bureau, specifically in comparison to information on another credit reporting website. 

Upon careful examination of credit reports, I have identified significant discrepancies that indicate potential violations of the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX account is currently reported differently on Equifax Credit Bureau compared to another credit reporting website, resulting in inaccurate and misleading information. 

Charge Off and Collection Reporting : On one website, the XXXX XXXX account is reported as a charge-off, while on Equifax Credit Bureau , it is reported as a collection. This inconsistency in reporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to provide accurate and complete information regarding any collections. 

Misleading Past Due Balance : Additionally, the account is displaying a past due balance on Equifax Credit Bureau, contrary to its status as a charge-off. This misrepresentation infringes upon Section 623 ( a ) ( 5 ) of the FCRA, which mandates that creditors report accurate information, including the date of any charge-off. 

FTC Identity Theft Report : I would like to emphasize that this XXXX XXXX account is fraudulent, and I have completed an Identity Theft Report with the Federal Trade Commission ( FTC ) to address the identity theft issue. Reporting inaccurate information on a fraudulent account further compounds the violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: AZ
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:
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, 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 2023-09-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: Store credit 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 visited Macy 's regarding a furniture purchase. I left with a sample and business card. Two days later when I decided to make the purchase I called Macy 's credit card ser ice team to increase my credit limit for the expected value of the purchase, which was {$3000.00}. I then called the store to purchase over the phone. Store Macy 's XXXX XXXX XXXX XXXX Sales Colleague XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The limit requested was {$3000.00} this should be on a recorded line in addition to my call for the purchase. The transaction total was {$3000.00}, which I question for being over the limit. I was advised it was not a big deal. I specifically declined fabric protection and it was stated I could purchase at a later date. XXXX sent an email on XXXX and requested I approve the transaction, I stated yes. The delivery was scheduled for XX/XX/XXXX and she mailed the receipt. Shortly after the delivery I noticed a second email from Macy'sfrom an alternate email address with a higher transaction amount that had the fabric protection added for a total {$3300.00} ; consequently, putting me over my credit limit by 13 %, there was no request to increase my credit limit or red flag that the transaction was pushed through. The Store employee makes commission on this product and put my credit reporting in a negative situation for an over limit. Once the statement arrived on XX/XX/XXXX I called Macy 's to initiate a dispute and they advised it can take 2 cycles or 60 days. I called back on XXXX and requested the opportunity to provide email proof and rationale regarding my credit limit increase to support the dispute after nearly 2 hours on the phone I was advised they could not update the transaction. I also requested the opportunity to speak with management and I was transferred to a furniture credit associate XXXX, that was kind ; however unable to address my concern.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: CA
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 and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: TN
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:
Good morning on XX/XX/2023 I requested an investigation for my consumer report because I noticed an account that was reported inaccurately. XXXX is furnished with data that does not match across all the consumer reporting agencies. I also received a response from the bureaus refusing to complete the investigation. This has caused extreme damage to my reputation. I have evidence that I am not responsible for this account and I can also prove that the courts determined the party responsible for this item. According to the FCRA 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information the item must promptly be deleted from my consumer report based on the results of the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 commenity bank contacted my husband which my marriage is XXXX, and gave him details on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a open complaint currently in regards to Truist mishandling my funds. And altering hold dates without notice and then charging me NSF fees. I have since deposited XXXX which shows it is available and in the account. Truist will not allow me to transfer funds. This has been going on for weeks, they have attempted to keep me negative and withholding funds. I am astounded at how this bank operates. There is no way to contact them the wait time is hours and then when you may get to a call center they have hung up EVERY time. The online complaints on XXXX are many people experiencing the same problems I am having. I should have access to my funds!!!!

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 2022-12-11
Company: CUSTOMERS BANCORP, INC
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I applied to open a savings account online at Customers Bank. When the application was submitted a notice popped up telling me that I did not qualify for an account at said bank. I called the bank customer service department and they confirmed that my application was declined but were unable to provide information over the telephone. 

The customer service rep informed me that an email would be sent to my email of record which was verified by the customer service rep explaining the reason my application was rejected. At no time was any such email was ever sent. This is the second time in two years that I have tried to open an account with said bank and they have declined my application each time without explaining the reason why or who they used for their verification source or ever sending an email or letter. Customers Bank has committed a F.C.R.A. violation by refusing to notify the customer as to the reason they declined the account application.

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 2023-11-13
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. I am quite miffed that you have included the following information on my credit 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. Please delete these fraudulent account on my credit file immediately.

Company response to consumer: Closed with explanation