BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Avant Holding Company, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/22 I made a payment to Avant credit card company of just over {$35.00} to bring XXXX balance due to {$0.00}. Even before that payment I had {$260.00} to use to shop. On XX/XX/22 I tried to purchase ink for my computer to finish a project. The cost was just over {$71.00} at XXXX. The card was rejected 3 times. Knowing I had funds available I called Avant to find the problem. I was told by the rep that my account was deliquent which it was not the payment due on XX/XX/22 had an amount due of just unbder {$4.00} I paid in the afternoon of XX/XX/22 on time to bring the balance on the account to {$0.00}. I asked to speak to a supervisor after a XXXX minute wait I was told a supervisor would have to call me back. The call came on the morning of XX/XX/22 and the supervisor said there was a technical problem at there end affecting numerous customers. On XX/XX/22 in checking my email I was notified that my payment was recieved. I called Avant to double check to see if there technicsl problem was cleared as I really needed to purchase the ink. I was told there was never a technical problem they just don't allow people to use the card until a payment clears. I thought the agreement was if you had credit to use they couldn't block you from using it as long as your paid on time and were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: AR
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:
Balance isn`t correct the balanced has increased with equifax causing my credit score to go down 13 pts,  the company is XXXX XXXX XXXX reporting to equifax. EQUIFAX HAS Either change the balance or not geeting their numbers right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested Method of Verification under FCRA 611 ( A ) ( 7 ) Trans Union failed to provide It in 15 days so I am demanding {$1000.00} as the FCRA requires. I sent my dispute via CFPB Complaint # XXXX on XX/XX/23 The dispute involved violating my right to privacy. 
Because I gave no one written permission or any consent to report this information on my consumer report. The Gramm -Leach -Billey Act states I as a federally protected consumer have a right to privacy. How can a financial institution Update/ verify information when they should not be reporting these accounts in the first place. 

1 ) XXXX XXXX- # XXXX. 
2 ) XXXX XXXX- # XXXX. 
3 ) XXXX XXXX XXXX - # XXXX. 
4 ) XXXX XXXX XXXX I submitted Method of Verification request via CFPB Complaint # XXXX on. XXXX/XXXX/XXXX. 
I did not receive the MOV in 15 days as required under the FCRA 611 ( A ) ( 7 ) and demand my {$1000.00} be mailed to me immediately.

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 2019-12-11
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Security finance has called me 3 times a day, everyday for the past three months. Theyve called my parents and my job multiple times a day even after asking them to not call a place of business. They have told my job that they will just take me to court and garnish my wages. I never gave permission to discuss the status of my loan. Theyve left me threatening voicemails that I have record of. They have also inquired on my credit once a month without permission that I also have record of and had to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: REGIONS FINANCIAL CORPORATION
State: MI
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:
Someone opened online accounts at XXXX and XXXX Credit Bureau 's using my information. They changed my address and phone number in an attempt to gain credit. Six different " hard inquires '' were submitted to my credit report on XX/XX/XXXX & XXXX 2023. None of them were from me requesting new credit.

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 2021-11-15
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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 have reached out to both XXXX XXXX XXXX XXXX and Equifax to correct the status and reporting history of a previous XXXX account. XXXX is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from XXXX that the account was indeed charged off on XX/XX/16 and provided this to Equifax. Equifax is stating that when presenting this documentation to XXXX, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did n't make these inquiries it must be errors. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX transunion - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX +  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/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 2023-01-04
Company: Experian Information Solutions Inc.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2019-12-11
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: Card was charged for something you did not purchase with the card

Complaint:
Barclays US MaterCard # XXXX On XX/XX/2019, My wallet was lost/stolen, while I was visiting XXXX, XXXX, XXXX. There were 3 cards in that wallet and no ID cards : 2 Visa cards from XXXX  XXXX XXXX, and 1 MasterCard from Barclays US. There were unauthorized charges on all 3 of the cards. On XX/XX/2019, however, after only a few days past the occurred fraud, I got a call from an agent in the Barclays fraud department, essentially stating that they have determined these charges were not fraudulent, and the credit issued is going to be reversed. Again, how that agent was able to determine that within only a few business days of the transactions is beyond me ... Surprisingly, I was not even asked to provide more information on the disputed transactions. To solidify my case, I have also filed a police report # XXXX, Officer XXXX, Badge # XXXX. 

The unauthorized charges on the MasterCard that XXXX is refusing to reimburse me for are as follows : XXXX XXXX 02 for {$1500.00} XXXX XXXX XXXX for {$5700.00} I, hereby, request that Barclays US stand by its zero percent fraud protection guarantee, and make me whole on these transactions. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.

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 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly a collection on XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid however, it is still being reported as a collection on my credit report. I have attached a copy the Settlement documents dated XX/XX/2019 from XXXX XXXX. These documents show this account has been paid and should not be reporting as a collection. XXXX   informed me they would contact the bureaus to have this information removed from my credit report. This incorrect reporting of a collection account is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2023-11-12
Company: EQUIFAX, INC.
State: DE
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:
I am submitting this CFPB Complaint for the XXXX time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. Equifax has kept these fraudulent inquires on my file, even tho i contacted Equifax and stated that these account are linked to identity theft My previous complaint and most recent # is ( XXXX & XXXX ). Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and attempted to get this matter corrected, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. These inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family as the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I ordered some supplements from XXXXXXXX. Upon receiving the products it was discovered that I was allergic to some of the ingredients in the product. I sent an email as well as called the company and informed them that I needed to return the product. I obtained a RMA # and sent the items back. After not receiving the refund I was due I contacted them several times and inquired about the status of the refund. I was told that the refund would be given as the product had been received. I did not get a refund so approximately a month later I filed a dispute with my credit card company. My credit card company then notified me that XXXX had not responded so I was given the refund back to my card. In XXXX of XXXX ( 2 years later ) I received a call and a letter from a collection agency trying to collect on the charge back amount. I responded within the required time frame and received another email on XX/XX/XXXX stating that XXXX is now claiming they never received the product back. I thereby went onto my XXXX account and looked at the history and it shows my order was canceled and that no other orders were mailed out. XXXX has no right to try to collect on a debt not owed to them. I returned any product ever sent to me and have not made any other orders since. XXXX is threatening collection and negative credit reporting in the use of their vendor they are using as a collection agent. They have failed to provide any proof of an order coming to me and also have failed to document the numerous calls I made them asking about the refund status. They also failed to respond within the 60 days required when my bank originally reached out to them when I filed the dispute. XXXX should be barred from collecting on the debt as they failed to respond in the 60 days originally and for two years never communicated with me directly. For them to hire a vendor who is attempting to collect a debt not owed to them is in violation of FDCPA, UDAAP and Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Sequium Asset Solutions, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights 15 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: National Business Factors
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 I received an alert from XXXX XXXX that a collection had been posted to my credit report. I logged on to XXXX XXXX and verified that a collection from National Business Factors Inc had been posted to my credit report. I never received anything in the mail or via a phone call prior to this telling me there was a collection of any kind, or any of the same for the initial debt prior to it going into collection. Also on XX/XX/23 I drafted and mailed a verification of debt request letter via USPS priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The tracking says the letter was delivered on XX/XX/23. I have received no response to my letter or any information about the nature of the debt. The amount of the collections balances continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX a phone number ( XXXX ) XXXX and ( XXXX ) XXXX called my family members and spouse trying to retrieve my personal information stating I wrote a bad check in XXXX and that navy federal is suing me and. ( I did not write any checks with them in that year and Navy federal has never reached out to me in regards to that. They became belligerent on the phone cussing at my fiance for asking who they were and to stop calling. When you call all they say is " law office how may I help you '' they were telling personal information about a " case '' with my parents. Gave them the attorney name XXXX XXXX with case number XXXX and that I am being sued and that my father was also co signed on a loan by me. My parents are not in even the same state as me. I don't even know how they got their new numbers and my fiance 's new number. I have not received anything by mail or phone in regards to this matter they speak of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company : Sequium Asset Solutions , LLC Date : XX/XX/2019 No money lost as I was able to identify the attempt to scam. 

XXXX contacted me saying I owed them money for bill that had been sent into debt collection for XXXX dollars from XXXX. They would not provide me a bill/statement or anything. They informed me I was in collections and I probably would not be able to pay bill directly with XXXX. I declined to pay and contacted XXXX where I was told the bill was not in collections and I paid it off in full on phone. I attempted to contact Sequium back when there automated phone answering service notified me I owed them {$130.00} associated with my account. The front desk/receptionist said no one was available to take my call ( they were on break or lunch ). Multiple calls over 2 hours and no one would take my call. I left message for supervisor to contact and no one called me back either. I requested a statement showing XXXX balance from company and they refused saying it would be 2-3 business days before anyone could reassess it. They never would provide me a statement/invoice/bill of any kind. 

XXXX declined knowing this company and currently I have no way of controlling how this company got my information nor what the {$130.00} the automated phone system says I owe is about. The receptionist said it was error but no one would clear it or provide me proof of said money owed. 

Please investigate this business as it is predatory fraud scam that uses threat of credit reporting to extort money from unknowing citizens. XXXX declined any knowledge of this company and I have perfect payment record and credit in my financial my history. Please review the XXXX XXXX XXXX nurmerous complaints very similar on how this company attempts to extort money. I am more concerned they have my information in their system without my approval or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation