BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: KS
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 formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-01-14
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I requested information from Comenity Capital Bank XXXX XXXX Rewards per the FCRA & FDCPA I exercised my lawful right to question the validity of this debt Comenity Capital Bank   XXXX XXXX XXXX agency claims has come due XXXX. In reviewing my credit file Comenity Capital Bank has reported to the 3 major credit bureaus negative activity. I requested Comenity Capital Bank to provide documentation of this account belonging to me with my original signature ( s ). I requested for Comenity Capital Bank to respond within ( 30-days ). I have the tracking report in which they received the certified letter from USPS on XX/XX/2019. I did not receive what I requested from Comenity Capital Bank, My original request was not been fulfilled by Comenity Capital Bank and has exceeded the timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CRA Experian has failed to enter required Notice of dispute, is now in violation of FCRA section 623 ( a ) ( 3 ) DUTY to provide Notice of Dispute. On my credit report, after I have submitted disputes for inaccurate information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: DISCOVER BANK
State: CA
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 a victim of identity theft. There is Discover Financial Services account ( acc no : XXXX ) in my XXXX  report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to XXXX  credit reporting agency and Discover Financial Services but they refused to help me to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Information is incorrect

Complaint:
Transunion has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 Fair c=Credit Reporting Act. XXXX XXXX XXXX Account XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and 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 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Delete hard inquiries XXXX, Equiafax, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In the XXXX I opened an account with a bank in XXXX AZ. Due to various mergers etc. this account is now with Chase- JPMorgan Chase . As I have not used the account for several years and I no longer have any family in the States it is rather pointless keeping it open. I have written in the last three months two letters to the bank asking them to close the account. No reaction either by email or by post to those letters. On XX/XX/XXXX I rang their customer service. I spoke to someone who confirmed the account balance and said that she could arrange account closure. The problem arose because I could not supply a US SSN, which was not needed when I opened the account. I do not have an American SSN number as I am not a US citizen and I have never worked in the States. After speaking g with her supervisor she said that she would pass the call to a teller. The call transfer did not go through as I got a recorded message saying that the teller was busy and asked me to call later. I have no idea as to how to get the teller 's number, hence my contact with you. I can not believe that I am the only person trying to close an account who does not have an SSN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: DC
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:
On my credit report that are reporting inaccurate information and keep refused to do a investigation regarding my request. I have contact the creditor that no longer hold the account and they are saying that provided them accurate information and I requested to see the result of the investigation in which they gathered the information and they refused. I would like for them to remove all XXXX and Dept of Education collections account they not longer has my account as XX/XX/2014. Therefore, They can not be sending information regarding status of my loan to the credit bureaus. Also, I asked them to validate the account that listed by XXXX XXXX and asked if they can provide me proof that this account belongs to me and they keep ignoring my request and continues to report the information as being accurate. I would like to see the proof of this investigation as well but they refused to provide me the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I submitted a CFBP complaint about World Finance Corporation reporting inaccurate information on my consumer report. I, the consumer demanding World finance to removed this account they are reporting to my consumer report. They did not removed. On XX/XX/2022, World Finance sent a loan application, terms, and condition of the loan, a financial transaction history of the account, and a copy of the bill of sale agreement between. Worl Finance used to call me almost every day and after I sent them the debt verification, the phone calls stop but that does not mean that stop the stress, the mental breakdown, the humiliations, the embarrassment they had cause me.

This inaccurate collection NOT MINE. I never provided any written consent or premissible purpose for this allege creditor to report on my credit report. I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted. 

I attach a copy of the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good day dear Madam/Sir I am a citizen and a resident of the state of XXXX, in the XXXX XXXX. 
My complaint is of Citi Bank employees failure to provide me with accurate and true data from XX/XX/2021 - the day I called to close my checking account. 
One of them also waved away my request for XXXX $ US reimbursement of my XX/XX/XXXX, and XX/XX/2021 telephone talks with Citi Bank Customer Service - International call rate. 
In my attached letter is my present demand from Citi Bank.

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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On my credit report that are reporting inaccurate information and keep refused to do a investigation regarding my request. I have contact the creditor that no longer hold the account and they are saying that provided them accurate information and I requested to see the result of the investigation in which they gathered the information and they refused. I would like for them to remove all XXXX and Dept of Education collections account they not longer has my account as XX/XX/2014. Therefore, They can not be sending information regarding status of my loan to the credit bureaus. Also, I asked them to validate the account that listed by XXXX XXXX and asked if they can provide me proof that this account belongs to me and they keep ignoring my request and continues to report the information as being accurate. I would like to see the proof of this investigation as well but they refused to provide me the information.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a bill last week from Mohela. I made a payment on XX/XX/2023 for XXXX. On XXXX I went to my account and it said that there are no payments due from XXXX to XXXX because I am in forbearance while they update my account. I called today XX/XX/2023 to get a refund. They confirmed I am in forbearance until after XXXX but they told me it takes XXXX  days to get a refund. I told her I dont understand how it will take XXXX  months to get a refund and her reply was we are behind and that's the process. She put the request through and we hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/2017 I signed paperwork with TD Bank in XXXX, NJ for a {$15000.00} installment loan to consolidate and payoff my credit card debt. I signed up for autopay from my checking account which is with TD bank. The loan term was for 60 months and TD bank was to debit all XXXX payments automatically from my checking account. Just recently I went to apply for a auto loan and to my surprise and anger on my credit report there is a charge off for {$320.00} from TD bank. This dropped my credit scores well over a XXXX points. I contacted TD bank customer service and asked them why my last payment was not auto debited like my previous XXXX payments. They told me that the last payment was supposed to be paid manually by me. I looked at all my signed paperwork that is still with me and no where it is mentioned that the last payment was to be made manually nor was it disclosed by the bank agent when I signed all the paperwork at TD Bank in XXXX, NJ on XX/XX/2017. Both my checking account and installment account is paperless. I spoke to TD bank in the recovery department who was trying to collect a debt and he mentioned that on the intra bank authorization form is where it should indicate that last payment is made manually. I told him no where on my signed XXXX bank authorization form did is say this. He told me to contact the XXXX branch and ask them why they didn't auto debit my last payment and they would go about rectifying this huge mistake. I spoke to a assistant branch manager XXXX on the phone at the XXXX TD bank branch and she contacted the appropriate people who handle this and told me it was a clerical error and to give her XXXX to XXXX  days to get back to me. Today she told me that her supervisor said that TD bank mailed be letters after they didn't take the last payment and it is my fault. I told them I didn't receive any letters from TD Bank and to provide proof of delivery. I told her that my checking account is paperless and my installment loan payments were set up for autopay when I signed all the paperwork on XX/XX/2017. I have all the installment loan paperwork and there is no mention of the last payment being manually. I believe TD bank has violated some laws in the truth and lending disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
XXXX ( grocery store ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Attempted to use an out of network ATM ( USAA terminal in main lobby ). The transaction proceeded as follows : 1 ) Inserted the ATM card 2 ) Machine asked if I wanted a balance on my receipt ( yes ) 3 ) Input my PIN 4 ) Machine printed a receipt and then asked if wanted something else ( yes ... machine had yet to offer a cash withdrawal ).

5 ) Selected fast cash ( {$40.00} ) 6 ) Machine showed an access fee of {$3.00} 7 ) I selected NO and walked way. 

According to my bank ( XXXX  XXXX XXXX XXXX ) I was billed {$1.00} twice.

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