BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00}.

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 2020-01-17
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This letter is regarding account, which you claim I owe {$4500.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: KEYCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently opened a checking and savings account with Laurel Road Bank. After XXXX deposits into the account my account was suddenly locked. I called to ask why and they said they need to verify who I am. I immediately sent them a picture of ID and also my social security card. I also sent a copy of my birth certificate just to make sue the process could be handled quickly. These funds I need to pay my bills and feed my family. They confirmed they received them adn then asked for phone records and phone bills. I am unable to provide a phone bill because my phone plan does not send bills to me. This is a XXXX week long process as of today and it has forced me into debt over 700 dollars. They provide no answer when I call and say the case is being reviewed. I call everyday for an update and they say the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: American First Finance, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company illegally reporting information to credit bureaus under 15 U.S. Code 1681a Chapter 2 states ( 2 ) ExcLUSIoNS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. 

On XX/XX/2019, I wrote a 2nd letter to your office regarding debt collection letters I was being sent for an account that I have no knowledge of. 

You were asked to submit to me the note, signed contract, application of the referenced account or something similar. Instead, I received a few pages of a credit card statement that simply had summary of totals with my name included. You further explained that you had purchased the credit card debt from XXXX XXXX XXXX  after a charge off that had occurred in that letter response. 

I reiterated to you, your company has not provided verifiable proof, as required by Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), receipts of charges with my signature, contracts with my signatures, etc. - that the debt they say I owed is actual mine, other than printing a few statement pages. The account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges and the account itself is being disputed. 

I do not agree that your company can simply use any documentation given from the creditor that sold you the credit card account to you ( at pennies on the dollar I am assuming ) and then turn around and use that limited information as your bases to file a lawsuit against me over state lines to collect whatever was stated on those papers. 

I am under financial distress. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe because of a series of recent catastrophic events that have set me back. 

I am currently the primary support person in my mothers XXXX care treatment. I was forced to reduce my hours at my day job and eventually had to quit altogether due to the number of absences I needed to take so I could take care of my mother. This catastrophic event impacted all our family members finances including mine since our mother was uninsured for medical XXXX care. 

Additionally, I am paying for my own personal deteriorating health care and living expenses by seeking the help of others and selling personal property of mine for day to day survival needs - since I am currently unemployed. 

As a result, I have not been able to save any extra money for a bankruptcy lawyer to help me file for bankruptcy protection ; however, I will continue to look for work to raise enough money to start a bankruptcy petition in mid-2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1666a states A Creditor May Not Treat a payment on a Credit Card account, under an open end Consumer Credit Plan as late for any purpose, 1681a ( 2 ) a ( i ) EXCLUSIONS ; Report containing info solely as to transactions and experiences between the Consumer and the Person making the Report, Therefore my late payments, utilization and transactions are not included XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Accounts are illegally furnishing exclusive 3rd party transactions and experiences to the Consumer Reporting Agencies

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : 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 2019-09-30
Company: EQUIFAX, INC.
State: DE
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 trying to work with Equifax for over 6 months now. I have a number of issues with this company and they refuse to fix it. The first issue started back in XXXX when they put an inquiry on my credit file that did not belong with me. This trend continued with two more inquiries that did not belong to me. The companies that supposedly submitted the inquiry has no record of ever requested my report nor do they have accounts in my name. These companies are XXXX XXXX XXXX, XXXX, and XXXX. The next issue is there is an address that I have never lived at in my life on my credit report. The address is " XXXX XXXX XXXX XXXX, TN XXXX ''. I have never even stepped for in Tennessee. I have made at least 4 different requests to have this address removed from my credit file. Equifax reports back that it was deleted but it never gets deleted from my file. I have even sent a letter requesting to have this removed from my credit report which they respond to by saying they deleted the address but it remains on my credit report. And finally, they have added a unrequested fraud alert to my Equifax and XXXX credit report. I also requested this ( via mail along with their requested identification plus some ) to be removed but again, they refuse to do so. I am at wits end with this company. They refuse to assistant me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was charged XXXX dollar though back of America the problem was resolved but I can not get a different bank account or anything due to what they state the reason how the problem was solved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: IL
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:
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 2023-10-17
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account at the XXXX, CO PNC after multiple visits to verify the promotional offer. The bank representative knew that I was opening the account to receive the {$400.00} bonus after {$5000.00} was direct deposited. The bank representative told me they would " keep an eye out '' for the $ 25 monthly service fee if the account did not have the required balance. Note the representative never used the phrase, " one time '' when he implied that the monthly service fee would be waived. I received multiple service fees. 

When I called PNC after the {$5000.00} deposit criteria had been met I was told that the account was not set up correctly at the depositing credit union to receive the bonus. 

I said that this should have been checked by PNC when the account was opened and when the direct deposits began. 

I asked them to dictate the explicit way the account needed to be set up so that it could be corrected and they refused to tell me. 

I asked them to correct the way the account was set up because there would be more deposits in the future, the bank XXXX said this was impossible and refused to investigate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, also Account # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian, XXXX XXXX, XXXX willfully continues to violate the FCRA by reporting Transactions on my report. law 15 USC 1681a ( d ) ( 2 ) ( i ) clearly states that transactions between consumer and the person/ corporation making the report are not included on the consumer reports, but yet Experian continues to break the law willfully and report the transactions on my consumer reports. 

From what the Law states you are in VIOLATION OF THE FCRA METRO 2 COMPLIANCE And reporting violations. 

15 USC 1681a ( d ) ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report ;

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 2023-06-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I received a letter on XX/XX/XXXX, stating Identity theft Notice. So did not know what to do so after researching I'm stating to take action with this identity theft. I had been going in and out of the hospital for sometime now and early XXXX I was XXXX  most of the time and during this period is when I think my identity was stolen because I just checked they are many credit cards opened XXXX after another with some of them having high balances, and I also have a loan under my name around the same time the credit cards started showing up in my credit report.

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 2023-04-14
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, a living woman submitting this complaint without any influence from any third party or its agencies. In response to my previous complaint XXXX and the response received with attachments, I am without knowledge or information sufficient enough to determine the accuracy or truthfulness of Security Finance claim of a loan and therefore I dispute the debt in its entirety. Security Finance stated I obtained a loan in the amount of {$1300.00} and agreed to repay the loan in 11 monthly installments of {$120.00}. The attached Consumer Loan Agreement Note and Federal Disclosure Statement appears to be misleading and deceiving that a loan was given when CREDIT was extended or offered. In reference to Regulation Z the definition of credit means the right to defer payment of debt or to incur debt and defer its payment. Security Finance did not provided me with their credit or loan to me. The attached Consumer Loan Agreement Note and Federal Disclosure Statement appears to be a consumer credit contract that resulted in a Purchase Money Loan per 16 CFR 433.1 ( d ) which states a purchase money loan is a cash advance which is received by a consumer in return for a " FINANCE CHARGE '' within the meaning of Truth In Lending Act ( TILA ) and Regulation Z. Per TILA, a finance charge is the cost of consumer credit as a dollar amount ; in which totaled {$350.00}. Security Finance breach the contract and their fiduciary duty by extorting and racketeering the collection of credits that they did not give. Security Finance can prove a loan was given by producing their booking entries of debits and credits in compliance to GAAP. In addition to the misleading attached correspondence from Security Finance to my complaint XXXX, I do not recognize the signature on the agreement. XXXX XXXX XXXX XXXX testify under penalty and perjury that they witness me signed the agreement? Please see my attached correspondence for my disputed disclosure questionnaire.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: NY
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 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$470.00}, XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: W&A Intermediate Co., LLC
State: VA
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:
I have contacted Wakefield several times disputing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: CA
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, XXXX, and XXXX continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.

Company response to consumer: Closed with explanation