BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}

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 2022-08-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped XXXX points for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of XXXX XXXX. NO late payments. Ever. My personal assets are significant. I dropped from XXXX to XXXX In response to Experian 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??

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 2021-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was in the Equifax leak is what I have been told among many other leaks. My info is all over the XXXX XXXX. Since XX/XX/2019, I have had severe problems with all of my accounts, phone numbers, and emails being stolen. Not once, but continuously- it is still happening. 
Becasue of this I can not fight the situations or find a job because I am being attacked and my communications taken away. 

I know who the culprit is and I have proof, but the police refuse to do anything or even look at the proof. 

I have called and gone online several times to get my credit report and file a freeze but they require a phone number which I do not have because they are consistently stolen form me. If I buy a new one, the sim card would stop working that day or next day, I am being stalked and though not completely ure why they follow me to the store so I think they keep track of how much I spend or else are somehow ripping me off. 

Our bank cut us off and doesn't want to do business anymore, but refuse to explain why and say the matter is closed and they will never tell usm, but we have so much money stolen and we need it back. 

It is an impossible situation and noone will help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear Representative, I really need your help solving this fraud issue with BOAXXXX debit card. After numerous called made. I keep getting the same answer from them. We are still investigating or We will resubmit your claim again. 
. 
On XX/XX/XXXX, I called BOA/XXXX ( XXXX ) XXXX to report a total of 370 fraudulent charges of individual {$1.00} made to my account for a total amount of {$380.00} on XX/XX/XXXX by XXXX XXXX XXXX On XXXX XXXX I was credited {$100.00} claim number : XXXX. 
kind of odd that I only received a partial credit when all the fraudulent charges were made on the same day Called back again and this time another partial credit was issue back on XX/XX/XXXX I was credited {$77.00} Claim Number : XXXX again just partial XX/XX/XXXX. I called back again. After requesting to talk to a manager I was placed on hold for over 30 min. Still could not speak to a manager. However I was told that a claim for a {$290.00} was being submitted Today XX/XX/XXXX I called to asked why the credit has not been issued. As usual I got the same answer we are still investigating Please advise Thanks in advance for helping me to solve this issue 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 2017-10-16
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:
XXXX XXXX LA XXXX Support Division / Family Law division is reporting a delinquent child support account on Experian that does not belong to me. I have no child support obligation and I have never been to LA. My child is XXXX. I called XXXX XXXX XXXX Support Division and they state they have no record of any account or information on me. They told me to talk to the credit reporting agency which I did. 

It appears on my credit as Child Support XXXX/LA

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 2022-01-10
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX auto finance are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX auto finance that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX auto finance, XXXX XXXX and XXXX auto finance are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX auto finance that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), 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 2022-08-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped XXXX XXXX  for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of XXXX XXXX NO late payments. Ever. My personal assets are significant. I dropped from XXXX to XXXX In response to XXXX 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: BARCLAYS BANK DELAWARE
State: OH
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:
I recently applied for a Barclays Visa card for XXXX Rewards. The main purpose for opening this application is because I wanted to buy a XXXX on 12 month finance. Shortly after my application I got an mail from Barclays asking me to call them and verify my information listed on my application. I called on XX/XX/2018 at XXXX to verify my information. They asked me for a copy of my proof of address, ID, and social security. I asked them if I gave them a copy of my passport and visa would it be okay or not, since I am here in the US on XXXX XXXX doing my XXXX at XXXX State and they said no and further said that it has to be a US passport. I am really surprised by this because this feels like discrimination against my national origin and it violates the Federal Equal Credit Opportunity Act. Please help me resolve this issue thanks.

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 2022-08-29
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX XXXXXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, Equifax, XXXX, FRAUD Departments I receive documents that XXXX  sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature And why is my wife 's alleged signature is on documents this is seems to be made up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Atlanticus Services Corporation
State: VA
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:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

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

15USC 1666B A creditor may not treat a payment on a credit card account under an open and 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 2017-06-13
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 status incorrect

Complaint:
I received a letter from XXXX XXXX onXX/XX/XXXX saying that they would remove all four accounts from my credit. It is nowXX/XX/XXXX and they are still on there. i have enclosed the letter they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. 

Accounts affected by XXXX Credit Card opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$65.00} COMPANY : XXXX XXXX ACCOUNT NUMBER:XXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}

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 2022-08-29
Company: Consumer Portfolio Services, Inc.
State: NC
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:
Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime emailed me on the XX/XX/21 saying my account had been closed due to non-compliance of the deposit account agreement. I've been banking with them for many years. I don't really do anything that interesting with my banking and I haven't changed anything over the last year. I asked them to tell me why my account was cancelled and that I can provide receipts or evidence for all of my payments to make it clear I'm not doing anything dodgy. I have evidence for everything and it was all normal banking activity. They just kept replying that they are closing my account in XXXX week. Now I have to move all of my banking and pay higher fees for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX, Equifax, and XXXX for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I closed on a HELOC with Suntrust bank. At the time of closing, Suntrust was advertising that they would pay all closing costs associated with the loan. In the event that the home was sold or the loan was closed within 3 years, I would then be responsible for paying {$2300.00} at the time the loan was closed. I was told though, that as long as I took out a new heloc within 6 months, those closing costs would be refunded to me. 

During this time, Suntrust was currently merging with BB & T and would soon become Truist bank. According to the disclosure I received at the time of closing, it stated - " Effective on the date of the merger, any agreement, disclosure, form or instrument naming SunTrust as a part, constitutes a valid and binding obligation with Truist Bank even though the documents referenced Suntrust as the party in interest. The documents shall be read with Truist Bank in place of suntrust. The terms and conditions of any agreement, disclosure, form or instrument shall remain in effect unless modified or amended in accordance with any such provision contained therein. '' In XX/XX/XXXX I sold my home. At the time of the sale I went into a Truist branch and spoke the the Vice president XXXX XXXX. She confirmed that once I closed the Heloc I was going to pay the closing cost, but they would be refunded as long as I opened a new heloc within 6 months. 

I attempted to open a new Heloc through Truist one month after I closed the previous one and was told that because they are no longer Suntrust, they will not be honoring the refunded closing cost. I spoke to XXXX XXXX again and she said after doing more research, they would no longer honor Suntrusts initial agreement. 

I would like to file a formal compaint against Truist bank for not honoring the refund of my closing costs in the amount of {$2300.00}.

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