BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: EQUIFAX, 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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Medical/Health account reporting is a violation of HIPPA privacy laws as well. 
Accounts Rentdebt Autom Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$100.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$130.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$210.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$220.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
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: Old information reappears or never goes away

Complaint:
Equifax has added several items back to my credit report items that were previously disputed and removed from report, Equifax did not provide a 3 day notice to me notifying me that this action was taking place ... 
1 ) XXXX XXXX XXXX XXXX account number XXXX****** item was removed from report in XXXX following a dispute item reappeared on report XX/XX/XXXX showing a report date of XX/XX/XXXX no historical payment information included I have previous credit report all dated over the pass 2 years without this account appearing on them 2 ) XXXX XXXX XXXX account number XXXX Previously removed following a dispute in XXXX item reappeared on report without any notice from Equifax ... Shows a reported date of XX/XX/XXXX however item has not appeared on credit report in over 2 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX  I was notified via my credit monitoring service that a Collections flag was added to my credit report for {$52.00}, added by CREDIT COLLECTION SERV, for debt purchased from XXXX XXXXXXXX XXXX. 

XX/XX/XXXX  Contacted CREDIT COLLECTION SERV about collection acct. # XXXX not belonging to me. Because MY personal information did not match theirs they would not assist in removing this accusation from my credit report, or provide any additional information about it. Instead required me to send my personal information, ( photo copy of my State ID, AND a copy of my credit report to them either by FAX or postal mail ( either could be intercepted by any number of " bad actors '' and subsequently used in identity theft ). 

XX/XX/XXXX  Contacted XXXX XXXX XXXX ( original creditor of the acct in question ) Who provided the original policy number and the name of the person to whom the debt belongs. XXXX also noted the account ( policy # XXXX ) with our discussion and verified the debt did not belong to me, and stated the collection service call them. 

XX/XX/XXXX  Contacted CREDIT COLLECTION SERV again with the new information obtained from XXXX, and requested they call XXXX to confirm. I was told this would not happen and again instructed to put my personal information in jeopardy by sending it to them. At this point I was getting angry, to me, the impression of their response was to NOT target the actual debt bearer, but to extort ME for MY personal information. At the time I stated, I would be contacting an attorney. 

XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  Opened a dispute for the collection through XXXX XX/XX/XXXX  In lieu of contacting an attorney, I'm filing this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: AZ
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: Problem getting your free annual credit report

Complaint:
I am requesting my " free '' annual credit report from Equifax. Several months ago XXXX  made my report available over the Internet immediately. 

Equifax is denying providing me a report after they presented 5 questions to me concerning imaginary accounts, and none exits. In fact, I have not used credit or credit related services in 20 + years. I have a report that reflects just that ... and XXXX sent it to me. 

What is the problem with Equifax complying? 

My first contact with them was XX/XX/XXXX, and my last contact with them was today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BC SERVICES, INC.
State: UT
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:
BC Services Inc is reporting a debt on my credit file that I do not owe. I noticed this collection reporting on my credit file and this is not mine. I am a trucker and my truck got totaled from an accident, I had to go to the hospital and get looked at. Insurance should have covered the total amount and I was told I had to pay nothing out of pocket. When I received a statement saying I owed {$1400.00} I called them and told them this was being covered by insurance. They said they would be looking into it and getting back to me. To this day, I have not heard back but nice enough I was sent to collections. BC Services also did not give me a 30 day right to dispute. That is a violation. This needs to be removed immediately from 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 2020-07-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Obtaining credit should be based on legitimate factors such as your expenses, debt, income, or your credit history ; it should not be based on arbitrary factors such as your race, religion, sex, or other personal characteristics. Lending discrimination occurs when a creditor takes certain protected personal characteristics into account to deny credit or to impose unfair terms or conditions on loans. The federal Equal Credit Opportunity Act ( ECOA ) prohibits creditors from discriminating on the basis of race, religion, sex, familial status, national origin, age, and applicant 's use of public assistance. 

Consumer 's Rights under the ECOA The ECOA entitles you to an equal opportunity to obtain credit, but it does not entitle you to the credit itself. Factors such as your credit history, expenses, debt, and income determine a denial or approval. The ECOA applies to banks, financial institutions, credit card companies, or anyone else engaged in granting credit and requires creditors to engage in certain policies and practices. For example, when you apply for credit, a creditor may not  ask you to reveal your race, sex, national origin, religion, or whether you receive public assistance income. As I have discussed in previous conversations and I do with many business I am a XXXX, Female, woman of XXXX descendants ( Making small talk ). 

I had two accounts XXXX XXXX VISA and XXXX Mastercard both paid on time and never late. After sending out the documents requesting I was approved only to find out that the XXXX XXXX   VISA was closed about a week later and the XXXX Mastercard was closed XXXX XXXX. No explanation for the closing of my accounts were sent and in fact, I understand that Credit Card companies are currently able to close at free will. 

My concern is that Comenity Bank and its affiliates Comenity Capital Bank sends me the same bogus letter ( I have enclosed the letter ) almost two years after they chose to close the two above mentioned accounts. I have reported this to CFPB before but since then the Bank has chosen to retaliate against me. Is there a good reason why this bank is currently getting special treatment above the law on lending? And if so would you please send me the documentation pertaining to it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company failed to provide me with proper proof to validate this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: BARCLAYS BANK DELAWARE
State: PA
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:
I initially reported a fraud claim to Barclays Bank in or about XXXX of XXXX. Since that time Barclays has repeatedly failed to correctly handle the fraud claim. In addition Barclays has been reporting my account in default to the credit bureaus for amounts that should have been waived due to fraud. 

At this time there remains XXXX fraud charge of {$36.00} to a XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  that posted on XX/XX/2022. All other fraud amounts have been removed. I don't understand why this amount remains on the account as it has been repeatedly reported to Barclays. And transaction records clearly show I was XXXX XXXX XXXX away from XXXX XXXX at the time of the charge at issue. 

My account has accrued interest and non-payment fees due to Barclays continued failure to properly address this fraud claim.

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 2019-07-03
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:
On XX/XX/XXXX, I called XXXX XXXX regarding a hard inquiry that I did not aware of on my Experian credit report. I found an inquiry dated XX/XX/XXXX. I reported that I did not apply for any card or loan that period of time and suspect it's identity theft. They said they would send me a letter and remove it but no action has been taken since then.

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 2021-06-28
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$220.00}, {$2000.00}, {$9600.00}, {$5800.00}, {$230.00}, {$7600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

6. HXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 information incorrect

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: FIRST ADVANTAGE CORPORATION
State: FL
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 the consumer and natural person was denied a job by First Advantage when I applied for XXXX XXXX Employment. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by this company due to the response I received. This is discrimination, because I applied in good faith to grow with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Your response is XXXX XXXX yall closed my account like XXXX ELECTED nothing irregular or fraudulent has ever happened in my account as far as any deposit or ANYTHING if XXXX referring to all my dispute if i feel its a problem im gone dispute it BY LAW YALL CAN NOT HOLD MY MONEY IN NOW XXXX MESSING WITH ME AND MY CHILDREN WAY OF LIVING I WILL OBTAIN A LAWYER FOR THE DISTRESS TALL HAVE CAUSED ME AND MY CHILDREN.

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 2019-07-02
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX, I called American Express regarding a hard inquiry that I did not aware of on my XXXX credit report. I found an inquiry dated XX/XX/XXXX. I reported that I did not apply for any card or loan that period of time and suspect it's identity theft. They said they would send me a letter and remove it but no action has been taken since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020, ,Continued Issues, ,I also Heard That ( Mr XXXX XXXX ) was Fired Last. Week At That Wells Fargo Bank So What Is Company Doing About That Problem And Every thing else, ,So UnAcceptable He Stole From Me And. Some of Customers At The Company, ,So UnProfessional and So UnAcceptable!!, ,So What Is The Company Doing About It ( NOW )!! And Also Went To Get Cash At The Bank on about The 5 or 6, ,At The Wells Fargo Bank at XXXX XXXX XXXX , ,In XXXX XXXX NC , XXXX, One Of The Bankers was Very Rude, ,And UnProfessional To Me She Was A Older Woman, ,I Forgot Her Name But She Has Blonde Hair And Wear Glass, ,So UnProfessional!

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 2017-12-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received notice from Carrington Mortgage Services LLC that my monthly payment would increase by {$12.00} per month for the next year to cover anticipated escrow charges. I offered to send in a check for {$140.00} to cover the next year 's escrow. Carrington representatives XXXX XXXX and XXXX ) told me it did n't matter what I sent in the payments would not change. The company refused to offer this basic customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX This is a hard inquiry on my credit files. I did not authorize XXXX to do so. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This is a hard inquiry on my credit files. I did not authorize XXXXXXXX XXXX XXXXXXXX to do so. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX This is a hard inquiry on my credit files. I did not authorize XXXX XXXX  to do so. 


US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX This is a hard inquiry on my credit files. I did not authorize US SM BUS ADMIN ODA to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: The Regional Adjustment Bureau, Incorporated
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people call several times a day to my home, my cell and my job. They have been asked to stop calling but keep call despite. They have to left any messages but will tell co-workers that they are a debt collection agency and they too, are being recorded. This has been going on for three weeks. The company name is RAB. They truly harass and will go as far as to speak to others about you in an unpleasant tone.

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 2020-07-18
Company: EQUIFAX, INC.
State: NE
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 are reporting a collection account with XXXX XXXX bank in the amount of {$19000.00} on my Equifax and XXXX  credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation