BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
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:
The collection listed on my reports is totally incorrect. I signed up for a 90 day membership and only received 30 days of service, yet I'm being charged for the entire 90 days which is deceptive and not lawful. When I refused to pay, the company owner got angry and purposfully opened a collection against me even after I gave multiple attempts to come to a civil agreement which were all ignored. That being said, 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 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Unauthorized and unknown charges were made on my prepaid XXXX card on XX/XX/2020 in different states. I contacted issuing bank to replace card and recover the funds that were lost. Issuing bank replaced card but has not been able to begin a claim to recover the funds. Today is XX/XX/2020 and I have not been able to successfully speak to an employee at the bank from the claims department. Wait time on phone calls exceed 2-3 hours with no answer. No claim to recover the lost funds has started because the only way to do it is to speak with an authorized employee, which i have attempted with no success.

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 2021-07-20
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called twice one right after another and then called again a few hours later on XX/XX/21 and called with a few hours on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: NJ
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
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 mailed out a letter to Experian on XX/XX/XXXX and XX/XX/XXXX. I was asking for validation of several items, as they have come back valid in my initial letter XX/XX/XXXX. This is a copy of the 2nd letter I sent, asking for PROOF of Experian 's verification via Metro2 Compliance.

Name of Creditor 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 2021-07-20
Company: JFQ Lending, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For the past 2 months we continuously receive letters indicating that the waiting period has expired for the VA mortgage loan. 
I'm a XXXX XXXX for a large bank and when I first opened the letter I got very confused and overwhelmed. The letter looks like I could be from the government, shows the year on the top right like you would see in your tax returns. No where in the body of the letter they identify themselves as a third party or their intent to prospect for refinancing. Their method of prospecting is very deceiving and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a CapitalOne " 360 Performance Savings '' account on or about XX/XX/2020 on the promise that if I put in the right code at the time of account opening ( I think the code was " XXXX '' ) and transfer {$50000.0

0} or more to the account, the bank would provide a bonus of {$500.00} in a few months. I did all the required steps but never  received {$500.00}.

When I contacted the bank months later, I was informed that I can not get the bonus because I already have a different type of CapitalOne saving account at the time of account opening. However, I was not informed of this loophole at the time of account opening, and I was not informed that the code was no applicable to me when I entered it at the time of account opening.

The bank will probably say that the loophole is in the fine prints ; but I'd argue that the fine prints are not sufficient in this instance, since I had to enter a code so the bank was well aware of my intent and yet gave me no indication that I won't get the {$500.00}. I believe this is  deception and is in violation of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello I am writing to you hoping you can help me, I have had so many issues with my bank, I have called, went into local branch, changed my debit card twice and still same issue occuring, also when I had a refund in the amount of XXXX from XXXX on XX/XX/XXXX it never was processed, I called and finally after third time I was able to speek with manager who then proceed to apologize and say they where having alot of refund issues during that week, but that didnt help me with over 200 in overdraft fees, and my car insureance was going to be canceled because of the amount of money they where taken out from me with no refund, two days later I recieved an email from XXXX stating my bank is demanding the XXXX because it was fraud!!!!!!!!!! THEY ARE LIERS, AND I FILLED OUT FORMS TO STOP random withdrawals from internet sites such as XXXX, XXXX, XXXX, XXXX, ect they have charged me over 600.00 due to all of this and still proceed to withdraw. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: AL
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 contacted the credit bureaus on several occasions asking them to delete inquiries that where not authorized by me and they have failed at investigating this issue properly. Over the last nine months I have been writing Equifax and XXXX  credit bureaus about inquiries on my reports that was not authorized by me and all they send back is a letter saying the inquiries are factual records that I made,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Billing dispute for services

Complaint:
signed up for transunion thinking it was a free credit report. 

they ask for personal information like name date of birth ect. 

when i got to the bottom it asked for my credir card info. 
i was timed at first to put it in and then i XXXX why does transunion want my credit card it stated it was for further verification on my personal info like if the adress was matching ro my and so forth so i entered my card number. then i got to checking my account to see if my previous activity i made on XXXX went through and XXXX sure enough i was charged {$26.00} from transunion!!!!!!!!!. i tried calling both them and my bank but being XXXX. no one is open at the moment but i plan to call my bank first thing and stop that XXXX payment. 

these people are a rip off and scam artist. and these people need to be stopped!!! 

during covid-19 of all times. my imcome is limited and yes i just ordered off XXXX. but i purchased tires and head light bulbs for my highlander so i can see at night and not blow a tire with a XXXX in my car. i make decent decisions with my finances and being on unemployment at the moment that {$26.00} they STOLE from me could have went to diapers or wipes or any countless other things. im glad i caught it off the get go and cancled the " subscription '' that i never even agreed to immediately. 

stop these XXXX crooks this happened on 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 monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Accurate Background
State: LA
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 applied for a job and the job uses a certain background company and this company stated I have a XXXX XXXX XXXX in Ohio and I've never been to Ohio a day of my life let alone been XXXX. I've never been XXXX  for anything in my life and I'm just trying to get this off my record so I can start back working ASAP for the holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I mailed a certified letter to them on XX/XX/2018. They received my letter on XX/XX/2018. They completed their investigation on XX/XX/2018 stating that they verified the information and it was certified accurate. I have proof from the courts and I have a security freeze on my 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 2021-07-20
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I called to discover and told them someone stole my identity and open a fraudulent account in my name. I have sent them supporting documents and they did not take this situation seriously, This fraud account has hurt my family financially, and caused distress. I have a XXXX and a wife and we tried closing on our home but discovered a fraud account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: MS
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 disputed all the negative information, collections, derogatory accounts, and public records on my account. I have also disputed inquiries that I didnt authorize. 

Equifax, XXXX, and XXXX  are reporting all of my accounts with different account numbers, different open dates, different closed dates, different amounts, and different payment histories. This is affecting my ability to obtain stable housing, as well as obtaining credit for necessities. 

They are providing false information to anyone who tries to pull my credit. I would like a credit sweep of all 3 bureaus, and all negative information, derogatory information, collections, and inquiries be deleted immediately due to the false information that all 3 are providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
my bankruptcy was discharged in XXXX i think i still have inquiries on my report previous that is affecting my ability to open accounts

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
My XXXX XXXX is wrong I should scores already because I don't see nothing on my reports.

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 2018-12-29
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Resurgent Capital Services on behalf of LVNV Funding LLC is attempting to collect a debt that has been determined to be fraudulent. The fraudulent account XXXX in the amount of {$580.00} is continuing to report to the consumer reporting agencies in violation of the Fair Debt Reporting Act and the Fair Debt Collection Act. Resurgent Capital Services has ignored my repeated request to remove this inaccurate information and has ignored any and all documentation that has been sent to Resurgent Capital Services. Resurgent Capital Services is in violation of the consumer laws and has repeatedly displayed a lack of regards to the consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: WELLS FARGO & COMPANY
State: FL
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:
Wells Fargo Bank desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-07-20
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:
On XX/XX/21 The accounts related to XXXX XXXX XXXX  were paid in full {$1100.00}. The accounts are still listed on my Eqiufax credit report as in collections. I have attempted to contact XXXX  and they have informed me that they have reported the accounts paid in full and will not assist me with getting the information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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: Investigation took more than 30 days

Complaint:
Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've been a victim of identity theft and having a tough time dealing with the issues.

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 2021-07-20
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in my garden and I received a call from Amerisave .Someone by the name of XXXX called me stating he guarantee that he can beat a mortgage rate of 1.99 percent.I told him three times on the call do not guarantee me anything because California laws state verbal agreement is the same as contractual agreement. I also let him know that I teach business law.After I called back to try to talk to supervisor then I was told Amerisave does not do jumbo va loans, the representative was rude to me when I asked to speak to a manager, and third representative told me I am talking to loud but Im hearing impaired which is XXXX discrimination.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation