BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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:
Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$32.00} Credit Limit {$1500.00} Highest Balance {$1600.00} Terms NA Payment History XXXX XXXX XXXX not mine FCRA violations remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 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 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 2019-08-01
Company: EQUIFAX, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA. 
* XXXX.XXXX XXXX is deemed as a collection agency that is also govern by the FDCPA. 
* The children that are connected to this child support case is above age. 
* XXXX.XXXX XXXX violates the FCRA, and FDCPA therefore is deemed unconstitutional. 
XXXX XXXX  XXXX XXXX  is a closed acct not active case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is attorney XXXX XXXX XXXX, I contacted Bank of America to help with a pro bono case in which I 'm representing a relative who has experienced a financial hardship. Bank of America required that I file a power of attorney with the bank prior to discussing any of my client 's account information. Thus, I filed a power of attorney. 

It has now come to my attention that Bank of America has improperly added me without my consent as an authorized user on my client 's account in question ( XXXX ). I did not authorize and or provide my social security number, but was just alerted that the account in question is now appearing on my personal credit profile. I was just denied refinancing on my mortgage because of this unauthorized credit reporting by Bank of America. 

It is my opinion that Bank of America has violated the Fair Credit Reporting Act. I require that Bank of America immediately remove this information from my credit profile. It was explicitly clear in my power of attorney letter to Bank of America that I represented my client specifically as to the financial hardship with the purpose of resolving past due payments, and at no time did I request to be added as an authorized user. I believe Bank of America 's operational procedures are skewed and that one of the front line agent 's improperly added me as an authorized user and subsequently damaged my credit profile.

Again, my communication with Bank of America was very clear that I was ( 1 ) representing my client in attempt to resolve a financial hardship and ( 2 ) did not provide any consent to be added as an authorized user. I want to bring this to the attention of the CFPB, as I believe there are operational issues within this bank, that can lead to violations of the Fair Credit Reporting Act.
I will also be invoking any legal rights I may have in pursuing damages outside of this complaint process, not limited to but including litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have major problems with Fifth Third Bank and the credit card I used to make a online purchase The product stopped working after several days and the seller did not answer or respond in any way. I filed a dispute with Fifth Third Bank and gave a full explanation This was mid XX/XX/2020 They credited the charge but I did not hear anything for three or four weeks Since this was not being handled I searched out the seller. I found him and got a return authorization return shipping label. Product was returned XX/XX/2020 via USPS I advised Fifth Third Bank the status and it appeared they just ignored it Then they charged the purchase back to my account on XX/XX/2020 On XX/XX/2020 I sent the tracking number info from the Post Office to them via email to attention of a XXXX XXXX I got no response and the charge was not removed I decided that I did everything I could so I just ignored it. Then on XX/XX/2020 I received an email XXXX XXXX XXXX that Fifth Third Bank had reported me as delinquent and my FIC O credit score had dropped 106 points from XXXX to XXXX. To put it mildly I was livid I could not get through to them and when I tried I was put on hold for over 30 minutes. So on XX/XX/2020 I sent a two page email to XXXX XXXX giving a history with attachments I know he got the email because a XXXX from his office called me and the gist of the discussion was she said well they denied your claim I am done wit h this. I now want justice and I am going to get it. If not from your agency then from another. I will not stop.I am attaching documentation to support my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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: In progress
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND ALSO TO REMOVE THEM OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Us bank has failed to respond to my transaction disputes I have submitted and ignored my disputes making my balance over drawn my accounts. US BANK also is failing to investigate properly My disputes. For example there's a transaction that was denied after merchant clearly stated I returned purchase same day. Which credit was promised by merchant and never received. Merchant sents documents of a returned transaction and us bank dies not see that informing me I received benefit which I did not. Also my account has several transactions which were made by someone without my permission and us bank ignores my disputes without even investigating. Also there's another merchant that denied giving me any information due to transaction. Being made by someone else besides me and us bank denied my disputed transactions. They took over 90 days to investigate one disputed transaction which is after the time permitted to finds its resolution.

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 2019-03-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid 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:
Returned items purchased from XXXX are showing as Refunded in both my XXXX and Paypal accounts however these charges are not being credited from my Paypal account balance. Subsequent statements show that refunded items still shows up in the balance that I still owe. As a result I still have to pay for items by the expiration date even though these items have already been returned, the same issue I'm having with XXXX and Synchrony Bank ( case #  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 2021-06-01
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my newspaper subscription last year. I have called several more times to cancel it. Today I received a collections notice, notwithstanding the fact they are still sending me letters asking me to come back while still sending the newspaper even though I have tried to cancel it several times. 

I called the collections agency. However, they say I can only dispute it by sending a fax or letter. They will not take my complaint verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2XXXX 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 2017-07-17
Company: MEDCAH, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MEDCAH, collection agency serving  Hawaii  creditors, is trying to collect a  XXXX  dollar stating that I owe a   XXXX   XXXX   money. I have been to only one company for my   XXXX   and have statements that I paid them off.
email from my  XXXX  " Hi  XXXX  and  XXXX , You are all paid off from   XXXX   XXXX   XXXX   but I have no idea about the old company   XXXX   XXXX  .  XXXX  is in charge of those records so please contact them ASAP at  XXXX .   XXXX   if you have questions, please contact us ASAP.
 XXXX ,  XXXX  --   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   Co-owner and Co-Founder of   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , HI  XXXX  Ph : (  XXXX  )  XXXX  Fax : (  XXXX  )   XXXX      XXXX   "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: VA
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:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX  XXXX XXXX ( Org. Creditor XXXX XXXX  ) XXXX Both Equifax and XXXX  XXXX XXXX were informed that these medical bills were a result of a XXXX XXXX workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

XXXX  & XXXX deleted it from my credit report but Equifax has failed respond to any of my complaints, continues to ignores me and report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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: Their investigation did not fix an error on your report

Complaint:
i recently disputed the inaccurate and incomplete items being reported on my credit report by XXXX and Experian and i need assistance in this matter, per 15 USC 1681 require that all information be 100 % accurate and complete before reporting. i have attached copies below

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 2023-07-10
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great 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 non-monetary relief
Consumer complaint received 2019-04-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have a police report for identity theft. Explained charges are not mine. Opened a dispute, and still say I owe. There are various credit inquiries for same.! Why would I keep applying for credit to same companies? Need to fix my credit. Please help me.0

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking account online with Huntingdon Bank. The account was open for a few months no problems, than one day they locked my account and I called customer service, they said I need to verify my identity at a branch ... the nearest branch was 50 miles away, and my liscence is suspended, thus I asked for them to close the account, they refused ... I made several attempts they still refused ... I filed a complaint with XXXX XXXX XXXX, Huntingdon bank called me and said they would closed the account and send the remaining balance in a check to the address they have on file ... that was a month ago ... when I hadn't received the check, I called customer service and they said the account is still open ... they are taking dormancy fees for my account and basically running the account to XXXX ... eventually I will be overdrawn by the fees and my situation sent to XXXX XXXX or XXXX XXXX XXXX ... all I want is the account to be closed ... they can keep the measley XXXX in the account ... I have a better bank ... please help ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Our family and the families of our cosigners are XXXX and people with Limited English Proficient ( LEP ). 
When applying to Sallie Mae Bank for a student loan to pay for tuition at XXXX University, we did not receive any explanation from this Banks about the financial risks for the borrower and his cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Bank is simply trying to involve more people in the process of obtaining a student loan for his greater safety, that is, Bank puts his financial security first, and not the financial security of his customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Bank and our cosigners. We made several full payments in Sallie Mae Bank even while our son is still student. We continue to make payments to Sallie Mae Bank, but our financial resources have run out. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again,  we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of Sallie Mae Bank towards us as his clients and his unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing contracts for student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid 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:
I have bought a XXXX XXXX turn Mower fromXX/XX/XXXX and I was approved to charge it on the synchrony bank XXXX credit card on XX/XX/2020. The Mower was delivered to my house and upon checking the mower I noticed several scratches and dents in the mower and so I contacted XX/XX/XXXX company but they refused to cooperate or resolve the issue and they had the worst customer service, very rude and unprofessional. So I disputed the charge with the Synchrony Bank XXXX store credit card and I asked for a partial refund of XXXX dollars for the dents and scratches which is about 8 % of the price of the mower which was XXXX dollars. The dispute of the charge of XXXX dollars was for the dents and scratches on the brand new mower and I sent the both companies ( the seller and credit card company ) pictures of the scratches and dents. Then after a few days XXXX credit card managed by synchrony bank ruled in favor of the seller and refused to grant me the disputed charge. I called them and argued with them but they never gave me a reason for their decision to rule against me. This credit card company needs to credit my account for XXXX dollars for the scratches and dents on the mower and they need to grant me the disputed charge because I paid for a brand new mower that should have been in perfect condition with no flaws or scratches or dents but I did NOT. Instead I received a scratched mower and dents in the mower

Company response to consumer: Closed with monetary relief