BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NC
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 hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Reporting act XXXX  Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 166b A creditor May not treat a payment on credit card accounts under an open end consumer credit plan as late for any reason.

I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute 2023-11-03 to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you.

I have attached the letter. I received from experian

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 2023-12-05
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I cancelled my homeowners ' insurance with XXXX effective XX/XX/2023. I opened a new policy to replace that. Truist paid my new homeowners insurance. XXXX billed my escrow account and Truist paid the {$5200.00} premium to XXXX. I had to report XXXX to the XXXX XXXX XXXX XXXX to get them to refund the premium amount which they finally paid on XX/XX/2023. I have spoken to people in escrow department with Truist and asked for instructions to fix the escrow account and return my mortgage payment to {$1400.00} instead of {$2000.00} that they increased it to due to an escrow " shortage. '' They claim they can't fix it. I did nothing wrong by changing my homeowners insurance. Truist made a mistake by paying for homeowners ' insurance twice. Their mistake needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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 HAVE VARIOUS ACCOUNTS THAT ARE NOT FACTUAL AND REPORTED IN ACCURATELY, I WANT THESE ADDRESSED ACCORDING TO THE LETTER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late 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 2022-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank Of America closed XXXX checking and XXXX savings account because there had been fraudulent activity on XXXX of the checking accounts. I received a letter XX/XX/2021 saying that a check for the balance in each account would be sent to the address on file. Repeated calls by me and a visit to each of XXXX bank managers disclosed that the checks were written and being held by " XXXX '' : an investigator in Texas. I was told they would notify me as soon as the investigation was complete. Finally, in XXXX of this year the manager of the closest bank to me said that because it was a " third party deposit '' that had caused the fraud, they would hold up the checks as much as " XXXX years ''.

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 2023-12-04
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/23, credit card that I did not authorize was issued in my name by someone else for the amount {$6800.00} Credit card company that opened the account is called XXXX XXXX XXXX . I called the company on XX/XX/23 and spoke with the fraud specialist and was told investigation will be done on the case. Awaiting further action and responses from the company. I called XXXX and spoke with the fraud specialist as well about the 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 2022-02-09
Company: FIRST HORIZON BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On todays date, XX/XX/XXXX, our Visa debit card through First Horizon Bank, XXXX XXXX XXXX, XXXX, TN, with a branch on XXXX XXXX in XXXX, was declined XXXX  times while being used at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC, and then again XXXX more times at the nearby XXXX on XXXX XXXX. This, despite the fact that there was plenty of money in the account. 

After the XXXX XXXX denial, we immediately called the branch in XXXX, which then transferred us to the XXXX number for First Horizon, and a person named XXXX in their fraud department first said the account had been flagged because of several purchases on XXXX earlier XXXX morning but then later said the problem lay in XXXX Teeters XXXX XXXX. He suggested we run the debit card again at the pharmacy, which we did, this time successfully. We told XXXX that we were using the card again in about an hour at XXXX and he said there will be no problem. 

Guess what? The same thing happened at XXXX, once again even though there were plenty of funds in the account. This time, though, the bank called XXXX immediately with a robo announcement to make sure we had made the latest purchases with our card. When I hit the prompts indicating the charges were correct, only then was the card accepted. 

We were so humiliated and embarrassed by these eventsat stores where we shop all the timethat we called First Horizon corporate when we got home, and spoke to XXXX and then her supervisor XXXX, the latter of whom was condescending and borderline XXXX. XXXX agreed to send us a new debit card through the mail, and indicated the problem was simply a chip malfunction on our existing card. But that would not explain the robo calls which stated it was a security/fraud problem. 

We appreciate First Horizons attempt at stricter security. However, we do not appreciate being shamed and embarrassed by a bank that has had a history in the XXXX years we have been customers of sloppy procedures and extremely poor customer service. Is this anyway to run a financial institution that has changed ownership several times recently and seems to be run on an extremely shaky foundation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I wrote to XXXX  ( formerly known as XXXX XXXX at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/XXXX credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both Experian and XXXX  on XX/XX/XXXX and never received a response. 

Please investigate.

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 2023-12-04
Company: Hollis Cobb Associates
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In violation of 12 CFR 1006, this debt collector ( Hollis Cob Associates ) collected a pay-to-pay fee through a third party payment processor while not expressly authorized under state law nor expressly authorized by the agreement creating the debt ( XXXX XXXX XXXX XXXX XXXX XXXX I asked the debt collector if this was expressly authorized by the agreement creating the debt, and they stated that they dont have that information. The amount owed was {$90.00}, I was charged {$96.00}, of which {$6.00} was the pay-to-pay fee. I was forced to pay this fee to resolve the debt. I attempted to ask for the fee to be refunded, and they refused. I advised that I would submit the complaint if they did not agree to refund me, they ended the call. The Bureau of Consumer Financial Protection advisory opinion ( XXXX ) clearly reiterates that debt collectors are prohibited from collecting any amount including interest fee charge or expense incidental to the principal obligation, unless otherwise expressly authorized as stated above. I am attaching proof of the amount paid, the fee charged, the account paid in full, and the details of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today is XX/XX/XXXX I have been sick with the XXXX. Just got well today went back to work credit acceptance. I called me seven times in five hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. 

I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a one time payment of {$3200.00}. Doing research I found this is a violation OF the FTC. according to the guidelines it says that I should be entitled to Damages. 

I would love to speak with someone about this. 

Thanks 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 2022-02-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is to all credit bureaus and to whom it may concern and just to be clear XXXX Equifax and XXXX. 

I XXXX XXXX XXXX have been disputing by mail and somehow my dispute letters are being sent back. I don't know if I'm doing something wrong but I'm pretty sure my mail is being sent correctly. I do not want to use the CFPB as my shield to send a dispute letter. if I dispute directly from the website. They would not do a proper investigation. in Reference to my dispute. With XXXX XXXX that starting with # XXXX XXXX, I have done what XXXX XXXX. Wanted me to do create an identity theft report with the FTC. And just to inform credit bureaus I have every right to dispute any information that is inaccurate in my account. Also, I have the right to gather information. Such as. The original contract, payoff disclosure, interest rate disclosure, balance history, payment history, Credit Insurance. And if XXXX XXXX can provide the credit bureaus with this information I suggest deleting it. 

Sincerely yours : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Account information incorrect

Complaint:
I wrote to XXXX ( formerly known as XXXX XXXX at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/XXXX credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both XXXX  and Transunion on XX/XX/XXXX and never received a response. 

Please investigate.

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 2023-12-04
Company: MoneyLion Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.

15 U.S.C. 1682 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 


I told XXXX, XXXX, and XXXX to reinvestigate these total of 3 accounts : Account name : MONEYLION INC XXXX, Account name : MONEYLION INC XXXX, Account name : MONEYLION INC XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: GA
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$620.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After previously requesting that Nationwide Credit not call me and to use email as the preferred communication method, they ignored my request and continue to call multiple times throughout the day. In addition to ignoring my request to be contacted via email only, they contacted a family member via phone, notified them of the debt they were trying to collect, and tried to ascertain additional contact information. The phone call to my family member was received on XX/XX/22 on/around XXXX.

Company response to consumer: Closed with explanation