BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ATTENTION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES LLC Subject : Dispute of Collection Accounts From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the existence of a collection account under my name, as reported by your agency. The account in question is identified by the account number XXXX XXXX XXXX XXXX. I believe that this collection is illegal and should be removed from my credit report due to several reasons, including but not limited to the fact that it pertains to a past due balance. 

I have several concerns regarding this collection account : 1. Lack of Verification : I have not received any valid verification or validation of this debt from your agency, despite my previous requests. Under the Fair Debt Collection Practices Act ( FDCPA ), it is your legal obligation to provide verification of the debt when requested. To date, I have not received any such validation.

2. Reporting Inaccuracies : I have noticed inaccuracies in the reporting of this collection account on my credit report. These inaccuracies have a negative impact on my creditworthiness and may violate the Fair Credit Reporting Act ( FCRA ).

3. Statute of Limitations : I am aware that the statute of limitations for collecting this type of debt has expired, making any collection efforts unlawful. It is essential that your agency adheres to the legal limitations when attempting to collect a debt.

4. Failure to Provide Proof of Ownership : Your agency has not provided any evidence demonstrating that you are the rightful owner of this alleged debt. As per the FDCPA, I have the right to request proof of ownership.

I kindly request that you conduct a thorough investigation into the validity of this debt and provide me with all necessary documentation, including the original debt agreement, proof of ownership, and a clear breakdown of the alleged debt. I also ask for the immediate removal of this collection account from my credit report while this dispute is being investigated.

Failure to comply with the above requests will compel me to take further legal action to protect my rights and rectify this situation. I understand the importance of resolving this matter promptly and am willing to cooperate with your agency to facilitate a swift resolution. 

Please consider this letter as my formal dispute and request for the removal of the collection account. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX  Enclosed : are supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: JPMORGAN CHASE & CO.
State: IN
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 contacted Chase Bank on XX/XX/19 and asked the representative for the total pay off amount of the account ending in XXXX. She told me that the total pay off amount would be XXXX. 
I verified with her three times that this was the entire amount owed and I told her each time I wanted the know the amount to pay the card in full and down to an absolute XXXX balance. She verified all three times this was the amount owed. 
I paid the XXXX via a direct withdrawal from my personal bank account. Today I received a bill showing the XXXX payment and demanding an additional XXXX. 
I called Chase immediately and told them that they needed to pull the recorded phone call because I had been misled by their representative. The customer service manager, XXXX, verified that he could see the notes and this was true but refused to help in any way. I advised him that I did not feel that I was responsible for the remaining charges due to the fact that the previous representative had assured me three times I was paying the balance in full with the payment of XXXX. I was lied to by Chase bank in order for them to continue profiting off of this account via high interest rates. I tried to pay the balance in full, paid what I was told was the appropriate amount and then still received a high bill afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Experian credit services was notified in writing that I had 2 unauthorized inquries on my credit report. XXXX XXXX Bank unauthorized XX/XX/XXXX and XXXX Bank XX/XX/XXXX. I wrote them 4 to 6 times. They refuse to remove. I called XXXX and XXXX Bank. XXXX sent them a letter to remove and XXXX Bank had no record of any inquiry from me XX/XX/XXXX -Val XXXX 

The letters of dispute sent by regular mail and certified resulted in nothing. I tried to upload and receive an error message, I attemoted to fax to XXXX no answer. If you call customer service the vm demand ss # and routes you to prerecorded messages. I called last week and 4 times today. No contact means, blocked by computer and it violates my rights. 

My name is XXXX XXXX XXXX XXXX They have it listed 3 ways XXXX XXXX XXXX XXXX I requested they remove the incorrect AKAs and provided copies of my drivers liscense. They do not correct

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: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 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 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 non-monetary relief
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked  XXXX  to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report  ( p reviously reported here  ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.      This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.

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 2019-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.

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 2023-09-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the XXXX informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX  and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX not sure of alot of things. I dint know what to do until now can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX, XXXX, I applied for the Citi Bank XXXX XXXX XXXXXXXX Mastercard card, Application ID XXXX. The application was denied with the following official feedback from Citi bank " The credit privileges on your existing account ( s ) are currently restricted. '' The document is attached. 

Upon checking with the agent by phone on XXXX XXXX at about XXXX, I was told the account was not approved because I had a Citi card that was closed over 10 years ago and because I had 1 late fee on my Citi Simplicity Mastercard. The agent instructed me to speak with XXXX. At XXXX, I spoke with XXXX XXXX at XXXX. I read the notice received from Citi Bank and he reviewed my credit file with me. He noted that when I applied for the credit card back on XXXX XXXX Citi bank went into my credit file and make a remark on my old credit account that had an open and active dispute. The account was opened back on XX/XX/XXXX and was closed with the last activity being over 10 years ago upon the account 's closure. 

We both spoke with XXXX ( in Kentucky ) at Citi bank and her supervisor, XXXX in Maryland. I explained to them that my old credit file should not have been used to make a decision and that is unfair. They said there is nothing else that could be done at this time. Because of this, I am reaching out to address Citi Bank 's unfair lending practices.

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 2023-09-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
COMPANY XXXX XXXX XXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am currently unemployed, and I am living off my XXXX unemployment benefits since I was laid off from my job several months ago. So, having my Bank of America debit card is extremely important so I can pay my rent, bills and buy food. On XX/XX/XXXX, I contacted Bank of America to notify them that my XXXX Bank of America card was lost, and I requested a new card to be sent to my primary address. The representative that I talked to told me that they would send me a new card and that I would have my card within 2-3 days. After waiting several days I contacted Bank of America again they told me that my card was just delayed and that I needed to wait so more until the card was received. Also, I contacted Bank of America on XX/XX/XXXX to notify them that I had still not received my card. The representative that I talked to said no problem and that she would send me a new card that I would receive by XX/XX/XXXX XX/XX/XXXX. I have waited over a month for my Bank of America XXXX card and still have not received it. I believe Bank of America is lying to me and that they have not really sent a replacement card to me. I need assistance addressing this issue since Bank of America has not resolved my issues is not meeting the obligations as a facilitator of government programs. Also, since my card is in transit, I am not able to access any of the funds within my Bank of America XXXX checking 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 explanation
Consumer complaint received 2022-12-23
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: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has blocked me from filing any dispute with this company online. I called on XXXX and submitted a dispute. Experian did not send this dispute to the company to investigate. I was sent a message within 30 minutes after submitting the dispute that the results are ready. I did the same thing on XX/XX/2021. Same results in 30 min. After I submitted the complaint Experian decided to reopen the XX/XX/2021 dispute. I have filed a complaint with the Attorney Generals office they have all paperwork for this dispute. Experian has violated my rights as a consumer. I currently do have an attorney that will be contacting them very soon.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, Account name : # 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 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 2022-01-24
Company: Experian Information Solutions Inc.
State: TX
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record XXXX XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record

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 2023-11-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear Sir/Madam, I am writing to address a pressing concern regarding recurring internal fund transfers between my checking and savings accounts with Truist Bank . Despite my explicit cancellation from the Truist App, after my job departure due to relocation in XXXX, the system continued to facilitate these transfers without my authorization. This oversight led to the overdrawing of my account, resulting in subsequent fees, which has been a source of significant loss.

The interface of the bank 's application poses a significant challenge in distinguishing between transaction history and the actual running balance. To gain a clearer understanding of the situation, I conducted a thorough review of the account with the assistance of my fianc, a financial products operations analyst and manager, using her XXXX, which offered a clearer and more comprehensible view of the transactions than the mobile app does. 

Through this review, it became unmistakably clear that it was the internal transfers, and not outgoing transactions, that caused the account to become overdrawn, which was unclear to me previously. More importantly, despite having sufficient funds available to cover any point-of-sale purchases I made, Truist still charged me overdraft fees. It seems unreasonable to have incurred substantial fees due to these internal transfers, particularly when there was no adverse impact on the bank 's end. 

As a longstanding and loyal customer of several years, I am disappointed by the deceptive nature of these actions. I am taking this opportunity to initiate direct communication with Truist, with the hope of resolving this matter internally. Nevertheless, if the excessive charges arising from the erroneous internal transfers are not rectified promptly with a reversal of all the incurred fees, I will be compelled to escalate this issue through appropriate regulatory bodies, including but not limited to the XXXX FCC, SCC, FTC, FDIC, and CFPB. 

I urgently request immediate attention and a swift resolution to this matter to ensure a fair and just outcome. I would appreciate your prompt response and action to rectify this issue.

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