BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank of American sent me a credit card in the mail I never applied for. I received a physical card ready for activation and terms and conditions for the product. I never received any confirmation or communication about this product before getting the card.

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 2022-08-17
Company: EQUIFAX, INC.
State: TX
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 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2021-07-14
Company: HireRight Solutions, Inc.
State: MN
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:
My backround check on criminal history it lists the court file and charge then stats " no court record found '' so why are you still reporting it. Under my name A.K.A 's are listed and I have never heard this name ever so I want to know how or why your linking me to somebody I've never heard of. 
So if we aren't suppose to furnish personal information like our name how are you suppose to look into it and fix it???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 disputed XXXX XXXX XXXX with Transunion and TransUnion closed acct on XX/XX/2021 with a " Derogatory Remark '' negatively affecting my credit. Amount of {$520.00} was reported, however, original amount was {$570.00}, as I made 2 payments of {$25.00} which XXXX XXXX XXXX owes me a Refund of {$50.00}. Yet on XX/XX/XXXX & XX/XX/2021, TransUnion is still reporting the collections account. Despite that I sent them documents verifying the acct was paid by insurance 2 years ago. I filed a consumer complaint referenced in the attachment in regards to XXXXXXXX XXXX XXXX This should have never been submitted to collection by XXXX XXXX XXXX as they were paid per their contact with my insurance company.

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 2017-09-23
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been disputing erroneous information on my account since XXXX. I sent the XXXX XXXX XXXX and TCF Bank all documentation including a police report that stated that I was a victim of identity theft and as a result, I can not open up a checking account. I mailed in my identification as requested. I have been patient and sent 3 correspondence letters, but to no avail. 

In XXXX XXXX, I was a victim of identify fraud and theft. A XXXX XXXX dollar check was deposited into my TCF Bank account without permission. Then a P.O. S purchased was charged to my account for a purchase for {$4000.00}. Please note, this occurred during the XXXX season when identity theft is more prevalent. TCF Bank allowed the transaction to go through without the check clearing. A police report was made. 
Please see attached copy of the police report and check. My first name was misspelled on the check and the handwriting is not mine. 
TCF Bank informed me that since I was a valuable customer for 11 years, as a courtesy, they allowed the {$4000.00} transaction to go through. However, I was left distraught and frustrated by TCF Bank. I spoke with several employees and managers at TCF Bank, but my claims fell on deaf ears. Furthermore, I am truly appalled that this continues to haunt my file. This has had a negative impact on my ability to have a basic checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2020-09-23
Company: CBC Companies, Inc.
State: MA
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:
Hello, How are you? 
On XX/XX/20 I received an alert that a compony FACTUAL DATA pulled my credit in which it was not authorized by me. I fraud alert on all the XXXX major credit bureaus for any company requesting my credit report to contact me for verification but I did not received a call from FACTUAL DATA and that hard inquiry is still on my credit report until today XX/XX/20 and showing up on my credit report as a hard inquiry. The company failed to contact me to verify that I authorized the report to be pulled as its stating on my fraud alert. I need the company to delete this from my credit report from both XXXX and XXXX or prove that this account was authorized by me with verification of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: WELLS FARGO & COMPANY
State: NV
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:
inaccurate information showing up ftc violation and fcra

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-03-30
Company: Block, Inc.
State: GA
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:
Cash app is not giving my money back from a cash app user who scammed me I sent XXXX for clothes and never got them tracking number when I ask for tracking never got again I asked for my money back and the person who Im thinking I am buying from said she will tell her brother to refund me but never got it I sent a refund request he declined once I said I was reporting them I was blocked this was on or around XX/XX/22 I contacted my bank who still has yet to get my money back cash app needs to be shut down asap they are stealing consumers money and nobody seems to care XXXX  XXXX XXXX or Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Vance and Huffman LLC at XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: OH
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:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in Experian appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit 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 2023-07-24
Company: EQUIFAX, INC.
State: NV
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with XXXX and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus. 

My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus. 

This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency. 

I kindly request your immediate attention to this issue and the initiation of an investigation into XXXX XXXX XXXX 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: PRONTO FINANCE INC.
State: IN
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 attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : ACCT ADJSTMT Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX - XX/XX/XXXX XXXX  XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  Automotive XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from ERC stating that I owe for an XXXX XXXX XXXX account that I have never had. ERC alleges that I owe {$290.00} but that they would settle for {$110.00}. 
ERC also lists an account number that I have never had. I mailed a letter of dispute and have yet to hear back. 
I also googled ERC and XXXX XXXX XXXX collections and found that there are tons of other people that ERC is sending these same letters to for fraudulent accounts alleging that money is owned to ERC on behalf of XXXX XXXX XXXX. Many people have had to file police reports for identity theft and fraudulent claims because of ERC. 
In the letter sent to me, ERC is threatening to report this fraudulent account to the credit bureaus. I was one of the many effected by the hacking of XXXX  so I am extremely concerned that my identity has been indeed stolen, especially since I have a very common name. On the XXXX XXXX XXXX online customer forum, there are so many people that have had their credit ruined for fraudulent XXXX XXXX XXXX collections. This is very scary. I am also filing complaints with the Texas Attorney General, the XXXX   and the XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
About 6 months ago i received a copy of my credit report and i noticed several accountsthat are listed on my report that i never applied for never used and never received anybenefit from i disputed these accounts and they refused to remove them all these accountsare results fo identife fraud XXXX XXXXXXXX, XX/XX/XXXX, {$800.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, {$610.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$18000.00}, ( XXXX ) XXXX, XXXX  XXXX, XX/XX/XXXX, {$15000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2400.00}, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, {$1200.00}, ( XXXX ) XXXX, XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$340.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, XX/XX/XXXX, {$140.00}, ( XXXX ) XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: MO
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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NY
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 file a formal complaint regarding the incorrect status on my account that has been reported by your institution to the credit bureaus. I have discovered that my credit report shows late payments on my account, which is inaccurate and unjustifiable. To make matters worse, each credit bureau shows a different delinquent status and wrong information. 

I have contacted your institution several times to address this issue, but to my dismay, I have not received any assistance or resolution to this problem. Despite my persistent efforts to seek clarification and have this issue rectified, I am still being disadvantaged by this error. 

I demand to be provided with all the proof of my investigation and the proof of the negative payment status for this account. If the negative information in this account can not be deleted, then it must be corrected immediately to reflect the true status of my account. 

As a responsible borrower, I have always made timely payments and have never missed any payments. Therefore, it is unfair to have my credit score and reputation tarnished by this incorrect information. The incorrect reporting has caused significant stress, anxiety, and financial hardship. I believe this error has negatively impacted my credit score and has disadvantaged me in securing future credit or financial opportunities. 

I am requesting that your institution and these credit bureaus take immediate action to correct this mistake and update the status of my account to reflect the correct information. I also expect written confirmation from your institution and the credit bureaus involved to acknowledge the correction. 

The attachment below shows all three credit bureaus showing wrong and different late payments status. 

I urge you to take this complaint seriously and take immediate action to rectify the situation. I hope to hear from you soon with a resolution to this issue. 

Sincerely, 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 explanation
Consumer complaint received 2023-03-30
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I signed up for {$69.00} a month credit repair help I paid my first month on XX/XX/ I called them on the XXXX and canceled because they werent doing anything to help my credit and I didnt want to pay the other {$69.00} for the next month. She told me I could cancel but I would be responsible for {$100.00} invoice When I asked why she said my service was actually {$130.00} a month the XXXX I paid for the first month was an entry fee I asked to take it higher to appeal it and she said she couldnt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: COOLEY ENTERPRISES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEENXX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-10
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: Account status incorrect

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full

Company response to consumer: Closed with explanation