BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-11-03
Company: Bread Financial Holdings, Inc.
State: NV
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:
According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/VICSCRT is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 I've been trying to resolve this issue with Trans Union about these unauthorized credit inquiries on my credit report file, I've sent certified letters time and time again to this company and nothing 's been done yet and its been since last year for months XXXX. XXXX XXXX XXXX XXXX XXXX. I need your help with this issue I'm having with Trans Union. Thank you kindly

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 2020-05-21
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I am requesting that Equifax, XXXX XXXX and XXXX room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX XXXX I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. Equifax, XXXX XXXX and XXXX need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
on XXXX XX/XX/XXXX, sent the XXXX a letter asking them to investigate some erroneous information on my credit report ( see letter attached ), they never responded to my complaint. I then sent them another letter on XX/XX/XXXX ( also attached to this communication ), still they never responded. Then of XX/XX/XXXX, they received i sent yet again another letter requesting that they block this fraudulent information from my report within 4 days as required .. and got no response ... ( see attached certified letter receipt ), i

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 2020-05-21
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX B FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious B FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in 2015 I rented an apartment with XXXX  XXXX XXXX   XXXX company in XXXX XXXX IL, upon moving they stated I owed fees never contacted me put it on my credit and when the Debt collector fair collections contacted me I paid the debt immediately with the agreement that they would remove the debt upon payment. I had numerous complaints against them including them entering into my apartment several times without my permission. The girls in the management office were extremely rude and told me they were going to make it hard on me to move as soon as my lease was over I moved. I have nothing showing I ever owed the debt but was forced to pay it because I was trying to purchase my house. The original creditor has sold the property and Fair collections will not provide proof that I owe the debt it is still on my credit report I have been disputing this and all they give me is attitude and lies. They refuse to remove the debt they refuse to provide proof of the debt I have reached out to all 3 credit bureaus trying to dispute this and they will not remove it still no proof the debt is owed to the company. Since the money is no longer owed I want it removed from my credit report and since they have no proof of the debt it should not be there. They should not be in business because what they are doing is illegal it has to be.They are all over the internet for fruadlent activities and the original creditor should be investigated as well for criminal behavior.

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 2017-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I moved to the USA in XX/XX/XXXX, and subsequently opened a Bank of America credit card account in XX/XX/XXXX in order to start building credit in the USA. In XX/XX/XXXXI made my last use of the credit account but decided to keep it open to help build up my credit. Since XX/XX/XXXX I have not used this line of credit. As I was no longer using this, it took me some time to see that an annual account fee had been applied to my account XX/XX/XXXX. I first noticed it in XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) and immediately paid it off. This fee was n't clearly communicated to me at the time of sign up and so this came as a surprise. I was never alerted that there were any late fees. I have attempted to talk with representatives from Bank of America saying that the several {$1.00} fees are misleadingly showing I was delinquent on my credit card. They acknowledge that the annual fee may not have been clearly communicated to me but are being completely unreasonable in removing them due to their miscommunication. These {$1.00} fees are extremely negative on my credit report and are indicative of their poor process rather than my ability to make good on credit. I have zero late payments on any of my credit lines and always pay down my balance in full. I would like these to be removed from my credit history as it is misleading to future creditors.

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 2016-06-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have Nationstar Mortgage company for my home equity loan and they forced place flood insurance on me for {$560.00} I have recently payed them back plus paid them for anther year, then I went to buy my own so they don, t have a escrow on me and they refuse to except my own and refuse to cancel the escrow. they have been charging me extra and holding my check until the grace period is over and charging more interest. They even told me they would do that if I don, t continue to pay a escrow!!!! WHAT CAN I DO?

Company response to consumer: Closed
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: CA
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 XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express lowered my credit limit from {$10000.00} to {$5500.00} without warning or reason XXXX day before my payment due date in the midst of a global pandemic. I have never made a late payment or missed a payment. I had no intention of requesting forbearance on upcoming payments. Currently my balance is very near the new limit imposed as I am using this card for emergency purchases to have cash on hand. AMEX 's decision to suddenly drop my credit limit by half has negatively affected my credit report. I have attempted to contact AMEX directly repeatedly and have been disconnected by their representatives every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies Equifax, XXXX and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: ADIR INTERNATIONAL LLC
State: CA
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:
To whom it may concern, my credit was screened more than the amount of times I had authorized for resulting in negative affect to my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
I am writing to you about a discover account that is now closed. The card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

I understand it was closed due a misunderstanding and when explained to me everything they had agreed as long as everything paid they would remove the entire card information from my credit history. Which they have yet to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, INC.
State: VA
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:
/Complaint against Equifax . Started on XX/XX/2020 to unfreeze my credit report to allow a mortgage broker to access my account for a re-financing of home mortgage. Used my password and user name created way back from the original Equifax Breach, when I froze my account. I have spent a week at their website and my original, very well documented password they say is innacurate. Then I tried the " need help with password, we'll email a link to re-set '' and never got an email after 20 attempts. They have many log in pages on the internet, many of which are dead and not retired. In many cases I kept getting " try again later '' which never worked. Some links don't lead to any pages or don't work at all. I called customer service and was told I had to mail all of my personal information to them. I do not wish to put all the documents that someone could use to steal my identity in an envelope, when I should be able to access my account that has been set up for years. I informed customer service of all the bad logins and bad links on their site and requested she let them know. She said I am not allowed to do that. So, I tried setting up a new account and was successful at getting in to my account only to find out that any link I clicked on to unfreeze my account lead a " try again '' or " this pages is not available now. Today XX/XX/2020 I get an email from them saying login and check your free credit report. I have been to the login page three times and attempted to log in and all I get is, " SORRY, TRY AGAIN LATER. Their website is a total mess and I am unable to unfreeze my account to apply for a lower mortgage rates. 
Back when they had the breach, they had the same issues with their site and service. 
It's deplorable that I can not access my acccount to apply for a mortgage. I am fairly sure that I am not the only one with this problem. Someone needs to go up the ladder at Equifax and let them know of these issues that are preventing us for getting access to our accounts to get a free credit report, or unfreeze our accounts. This is costing me time and money. From XX/XX/XXXX to XX/XX/XXXX and I still can not unfreeze my account This is a very serious situation that needs IMMEDIATE ATTENTION BY THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Dear Bluebird by American Express : Allow me to continually dispute a {$400.00} from a failed ATM withdrawal transaction occurred on XX/XX/20 in XXXX convenience store located at XXXX XXXX, XXXX TX. Please find the attached documents including a failed receipt transaction submitted XX/XX/20 and XX/XX/20 proving that I had received {$0.00} cash except for a piece of receipt indication that the transaction had been failed. Therefore, I hereby attest that the ATM did NOT dispense any cash as requested. Although I did return to the store to dispute a failed transaction, I did NOT, however, get a refund or support for a resolution. 

As I'm certain that the store by the ATM machine has a camera, I hereby ask that the store and/or the ATM operator will provide footage of the relevant incidence in dispute. 

I'd appreciate a prompt and fair resolution to the matter. Furthermore, I hereby ask for a credit of {$400.00} to my XXXX account Thank you XXXX XXXX

Company response to consumer: Closed with explanation