BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: OH
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 myself the consumer and im a victim of identity theft. I have tried numerous times to have this inaccurate information removed. Attached if a federal trade commission report showing which items are fraudulent and pursuant to 15 usc 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block and delete the reporting of any information in the file of a consumer that the consumer identifies as information resulting in identity theft, not later than 4 business days after the date of reciept of this such notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
After closing my account, I noticed that I had a {$210.00} credit on the balance. The bank stopped sending statements and did not automatically issue a check. I called in today and the representitive said that is not their policy and that you had to request it. This seems like theft expecially when this business arrangement revolves around paying interest on the use of money for a period of time. 

They also did not credit my account for the rewards money that I earned. They did this because they said the account was closed. My opinion was the rewards were earned and should be paid accordenly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls multiple times a day and occasionally repetitively. XX/XX/XXXX 7 times XX/XX/XXXX 4 times for the last month on average. Additionally calls from No Caller ID multiple times a day directly before or after using business number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXXl damage damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently received a collection notice from second round sub llc for an account with XXXX XXXX that is not my debit. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Being in business for 44 years I made an application for Paycheck protection program for {$4100.00} in XX/XX/2020 with Wells Fargo bank with whom I have had 2 XXXX  checking accounts for over 25 years ( the bank used to be called XXXX XXXX then XXXX before it was sold to Wells fargo ). I finished the application, uploaded all the supporting documents on XX/XX/2020 and Docu-signed it. I did not hear from them at all. They did not provide any contact information and asked customers not to try to contact them. I am afraid Wells Fargo might have stolen the fund from me just like years ago on 3 different occasions that I had noticed monies were missing from my 2 XXXX  accounts. Their branch employees and managers who later suddenly disappeared had no explanations on why and how money was taken from my accounts until we found out later about the big Wells Fargo scandal in the news.They never returned the stolen monies to me.

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 2022-12-08
Company: Experian Information Solutions 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 XXXX Account # XXXX, has violated my rights. 

1

5 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 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 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 2022-11-27
Company: EQUIFAX, INC.
State: LA
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. 

Us DEPT of EDucation ; # XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX DEPT OF EDUCATION / XXXX : Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Phone : ( XXXX ) XXXX DEPT OF EDUCATION XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX has violated my rights and i want them removed IMMEDIATELY 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing this dispute to have the bankruptcy to be removed off my credit report public records XXXX  XXXX case # XXXX due to the bankruptcy court has no jurisdiction over credit report agencies or 3rd party agency, nor do they verify. The bankruptcy clerk office is not responsible for credit report and does not provider information to the credit report agencies. i have attached the letter from the XXXX XXXX XXXX Georgia as proof. Please remove the Bankruptcy off the public record on my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XX/XX/XXXX statement from Barclaycard Visa had a balance of {$770.00}. The full payment to pay off the account was mailed in before the due date however the payment didn't post until two days after the due date. I flew to XXXX XXXX on XX/XX/XXXX and was out of the country for 2 weeks and my put the payment in the mail then. On my XX/XX/XXXX statement it shows i was billed a late fee of {$27.00} and a finance charge of {$11.00}. I called in to request the fees to be removed and was told it would be. then on my XX/XX/XXXX statement, I was charged a {$37.00} late fee and interest totaling {$1.00}. I mailed my payment of {$200.00} for a purchase and wrote a note telling barclays they can either remove all the fees or close the account. They sent back a response saying they are unable to complete my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: CO
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-07-09
Company: United PanAm Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
this company financed a vehicle that was included in a safety recall XXXX this recall includes information that the airbag inflator ruputure could have cause death or injury to vehicle occupants. this car was sold for way more than value and also it could have caused death to me or family. this loan needs to be removed from credit report for fraud. this information was not made aware at selling of vehicle. all safety and all history should have been released during sales of vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 2018-05-21
Company: Experian Information Solutions Inc.
State: IL
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 drafted a letter to Experian on XX/XX/2018 requesting removal of unverified accounts and/or details of the validation of verified accounts which was received by their agent on XX/XX/2018. Experian did NOT respond within the 30 days required under the FCRA which is a direct violation of the law. The response received was postmarked AFTER the 30 days they are allotted by law. I will attach proof of the tracking and their postmarked response.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 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 2021-12-07
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I do have a credit card with Barclays XXXX XXXX thru Frontier Airlines. Few weeks ago Barclays sent me an offer to transfer money from my Credit Card to my bank account and charge me no interest for severals months. Since I had no balance and my available credit line was the maximum XXXX XXXX I transferred the XXXX $ ( maximum of the credit line ) to my bank account. But few days later, I saw that Barclays charged me twice XXXX $ for that one single transfer although my credit limit is only XXXX. 

I have been calling Barclays every days since XX/XX/XXXX only to be told this is known issue and they are working on it. As of today XX/XX/XXXX, Barclays has still not resolved the issue and/or given me a clear date when it will be resolved. 
In fact during the call today, I am being told it can take up to 2 months for the issue to be resolved, but no guarantee

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Well this is the second time Im complain with CFPB, I definitely I need help Bank of America closed my business account in XXXX XXXX, with out email me any notice, the its hold the funds from my account, me end my family its going true very touch time right now, I call more then XXXX times to Bank of America, I went to Bank of America branch more the XXXX times the never gave me my money back, this its not legal hold customer money for over 7 months, the should pay for all the medical condition my wife is going true, she lost her job not corrent work, end the just dont care, Im going need find attorney to help us if CFPB can not please help us

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-05
Company: Bread Financial Holdings, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry on my credit report dated for XXXX XXXX for comenityBankXXXX  and I have not applied for anything and I have not authorized this. No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: FL
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:
My credit report now has 42 inquires all of which are fraudulent. i have advised Experian XXXX and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXXNever Applied XXXX XXXX- No Knowledge XXXX XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed

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 2022-12-08
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:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: FL
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:
I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XXXX  XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have, for years now, tried to obtain a modification for this loan. In the very first year of my attempts, I thought I was close, but recurring administrative errors on the part of XXXX nixed my efforts, always at the eleventh hour. 
There followed a series of wrongful foreclosures, six in all, over the next five years. The bank constantly and despite my effortstried to take over the empty lot adjacent to this house, a lot that belongs to me free and clear. I had to hire an attorney, rent the house cheap depredations ensuedspend hours each day, week, month, and year reinitiating the modification process, hoping for closure. 
XXXX then sold the loan to Mr. Cooper who, having done none of these missteps and errors, could not be held accountable. 
All I have left now, after these exhausting years of struggle to keep this property, is a short sale. I found a buyer a year ago, a non-profit company called XXXX, who negotiated the price to their offer of {$230000.00}. Mr. Coopers investors did not want to budge from {$250000.00}. Neither party would change their offer even though they were a mere {$27000.00} apart. 
I have now found a new buyer and am presenting her offer and her loan authorization. There is little time to reinitiate the short sale since the Trustee Sale is scheduled for XX/XX/XXXX, this coming Wednesday. This new buyer is offering exactly what Mr. Cooper requested, {$250000.00} and is approved for that amount plus closing costs. 
Through this short sale, Mr. Cooper will get the funds it wants. 
The buyer will get a house she really likes. 
I will not, at age XXXX, have my credit ruined again by this upcoming foreclosure. 

I am respectfully asking that Mr. Cooper stop the trustee sale of XX/XX/XXXX, and allow the realtor XXXX XXXX of XXXX XXXX to reinitiate the short sale and communicate with you. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation