BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
To whom it may concern : In XX/XX/2021, somebody tried to deposit a blank check into my account. I was immediately contacted by the bank and was told that the check could not be processed due to insufficient funds in the depositor 's account. I do NOT know who this person is, and why they tried to deposit a blank check into my account. I told my bank this, asking that they ignore the transaction. I was contacted by the fraud department a few days later and I explained the situation again, as I noticed my account had been frozen. 

Prior to this incident, I had never had any issues with the bank, and I had certainly never been in this kind of situation. I am an attorney admitted to practice in the State of New York, and would NEVER involve myself in fraud. I was the victim of fraud and I kindly ask that the bank investigate this further and remove this report from my account immediately. I have been employed at a law firm for 2 years as an associate and all my paychecks used were made directly to this account. It was my only checking account and now I have to deal with this inaccurate report that was caused by no fault of mine. Please remove this remark immediately. 

Kind regards, 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 2020-09-08
Company: CAVALRY INVESTMENTS, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a letter from Cavalry on XX/XX/2020 about an obligation for XXXX. With all the scams going on, I sent a validation letter on XX/XX/2020. Calvary responded on XX/XX/2020 which incorporated a generated bill statement expressing that was confirmation and it's my obligation which doesn't meet the FTC guidelines of what constitutes proper debt validation is. None of the documentation had my signature on it and the pertinent documentation mentioned to demonstrate the debt is mines wasn't sent. I reacted with a second letter on XX/XX/2020 requesting them to validate the debt and informing them of their violation of the FDCPA. I've enclosed all letters sent and received. I'm waiting now on my request for a validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My Spouse XXXX XXXX XXXX, Submitted our joint tax returns from the IRS for the previous two years as requested by American Express during the credit limit increase process. Problem I have with this is American Express has not explicitly written to confirm receipt of these sensitive documents. I ( XXXX XXXX XXXX XXXX XXXX am not an American Express card holder, this would be considered collecting third party information. Without American Express making a decision on the credit limit increase, I have no way of knowing if American Express is simply collecting these documents and what they're intent and purpose is. This is unethical and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We need your help : Bank United wants to hold fund from an insurance or the 2017 hurricane damages of approximately {$70000.00}, they want to release about {$49000.00} to initiate repairs, they have been advised that there is a payment to the private adjusters of abut {$6500.00}, they say it is my problem. " they are not part of it '', the unit is in habitable, with no restrictions what so ever, to the point that we have had offers to buy it at the current market value of approximately {$800000.00}, ( names and phone numbers could be provided with their consent ) the present mortgage with Bank United is {$380000.00}, it is current and has been currant from the closing date about 4 years ago. 
Bank United wants to hold the funds because of a clause in the mortgage. My husband and I are seniors, I had a XXXX XXXX, which was about a year ago, I can not have stresses like this, as per my Doctors. Also I am having XXXX XXXX on the XXXX of XXXX, at XXXX XXXX XXXX XXXX of University of XXXX and my husband is having a XXXX XXXX, on one of his XXXX, on XX/XX/XXXX at XXXX XXXX XXXX. 
The pressure to us caused by Bank United is unreasonable, and unbearable for they will have to do inspections as the money is use and we will have to pay for said inspections. 
We have been talking to XXXX XXXX VP, Escrow Administration and Special Loans??? WHY BankUnited, N.A. 
XXXX XXXX XXXX XXXXMail Code : XXXX XXXX XXXX, FL XXXX Direct : XXXXFax : XXXX XXXX Also Email has been sent to XXXX XXXX XXXX Chief Operating Officer XXXX bankunited.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: COMMERCE BANK
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
COMMERCE BANK, PLEASE CORRECT ALL BUREUS, ESPECIALLY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
called Equifax to get freeze on my credit. had an voice answering service. I could not get a person to speak to. found their online sign up for a credit freeze got all the way to the end and they said you must put in a number they would send to your email account. I lost my internet connection had to start over because number is valid for just a few minutes. tried to fill out the info again and was told I already have a account I tried to enter the account and was told I could not enter at this time. This of course is because I could not enter the number they sent in the allotted time. Now I can not freeze my credit with them. My identity has been compromised within this last week so I need this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX Experian are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health 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 non-monetary relief
Consumer complaint received 2018-11-16
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, PLEASE CORRECT ALL BUREUS, ESPECIALLY EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: American First Finance, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We were at XXXX XXXX XXXX XXXX XXXX in XXXX, MO looking for furniture on XX/X/2017. They were offering a 90 day interest free financing promotion. We were in the process of closing on a mortgage and asked multiple times if a hard credit inquiry would be done for the promotion. We were told that no hard inquiry would be done on our credit. Due to this, we decided to go ahead with the promotion, and immediately after the application was submitted we were alerted to a hard credit pull on our bureau. We immediately contacted American First Finance in  XXXX, KS, in order to withdraw the application and have the inquiry removed from our credit history as we did not consent to a hard inquiry. They refused to remove the inquiry from our bureau. The representatives of the furniture store were all under the impression that there was no hard credit inquiry for the promotion, which is the only reason we agreed to move forward with the promotion.

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 2018-11-16
Company: Synergetic Communication Inc
State: AZ
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:
At XXXX on XX/XX/2018 we received a call from SYNERGETICS asking to speak to a XXXX. The operator would not answer what the call was about and became hostile when she could not be connected. After informing her this is a personal matter and she will have to reach her another way the operator said " that's fine. We'll just call you another time until we talk to her '' and hung up refusing to remove our number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/20 I sent a letter to Experian certified with a return receipt, requesting a MOV regarding an item on my credit report per FCRA 611 ( a ) ( 7 ). This request is due a response in 15 days. Experian failed to  respond with the requested items or remove the creditor. I called XX/XX/20 spoke with XXXX & later XXXX in disputes and both argued they don't have to delete anything and can file a new dispute. 
The problem is I sent the letter and they have yet to fulfill my request due to me by law. They both reassured me they don't have to do anything and they don't verify data they just host it.

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 2018-09-12
Company: REGIONS FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hacked and fraudulent charges incurred on my card I confirmed and reported the fraud immediately and filed a dispute Waystar denied me protection from the fraudulent charges on the grounds of the Business 10 card rule https : //www.consumerfinance.govXXXX XXXX XXXX apparently they are using this loop hole to get out of paying these fraudulent charges I have had my CC hacked in the past several times I reported it or they notified me CC was blocked They took care of it but this time i was denied protection because of this 10 card rule so far they have not shown me this 10 card rule in there terms and conditions only give me the above link to the fed statute any help in this matter would be greatly appreciated XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX UT 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 explanation
Consumer complaint received 2018-11-16
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked them to stop calling because I am working with my attorney to file bankruptcy due to me being ill and almost XXXX and now being behind on all my debts. I told them I am not working and living with family. I asked on 3 different occasions to stop calling and the told me no and said they can call and harass me as much as they want because I owe them money because its their rights. Not only that but they are harassing my family members that are even asking them to stop but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
upon checking my credit report it was brung to my attention i have a account with XXXX upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user

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 2019-01-11
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called to collect debt that was not specified nor person mentioned, only asking for information for the Penn Credit Corporation by calling XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Agreed with company on payment plan and was promise to clear on credit report but instead still showing up on credit reports. I have made 4 payments already and have them direct deposit from my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2020-06-30
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2020 I tried to get information about balances and transaction amounts on 5 ( five ) Rewards Cards issued by US Bank with the Debit/Visa logo on the front. I tried calling their automated service which supposedly gives balances and transaction histories. None of our transaction histories were in the system. It said XXXX balance available but NO TRANSACTIONS. That makes no sense. I tried to reach a human being to discuss this and stayed on hold for 20 minutes listening to their annoying on-hold music only to finally reach someone who couldn't help me dispute charges like their phone system offered ... instead they wanted to give me another phone number to call. WHAT? The automated voice system said I could get card information on a website. The website was an absurd creation by someone who doesn't know how to design websites, and it created errors repeatedly. There were NO OPTIONS to address an issue with the website. US Bank has done and incredible job of erecting barriers and obstacles for their victims ( customers ) to waste time on before giving up. Apparently this is their business model. On the back of the card it claims they can charge $ XXXX/month if you don't use the card. Really? You can't get info from a human, you cant get info from their 800 number obstacle course and you can not get registered on their ridiculous non-functional website. What a joke. I need someone from US Bank to call me to get this resolved so I don't need to waste more time as US Bank 's victim/customer.

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 2020-06-30
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft

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 2020-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I NEED THE FRAUD ALERT REMOVED IMMEDIATELY FROM ALL 3 BUREAUS ... PLEASE REMOVE THE ALERT FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: NJ
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:
After submitting proof of payment to XXXX  several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached

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 2019-01-08
Company: EQUIFAX, INC.
State: NJ
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:
After submitting proof of payment to XXXX several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached

Company response to consumer: Closed with explanation