BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: Experian Information Solutions 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:
The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report either. 

Please see attached uploads, and highlighted areas= inaccuracies reported. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account XXXX XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : NOT REPORTED ( Maybe XXXX  XXXX ) Account # : 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 2023-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a kohls credit card which is now in collection. the problem is the amount is wrong and the dates are wrong and inaccurate. please also provide me proof of ownership of this debt via a written contract signed by me with my signature, If you do not provide such proof you must delete this account by law,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$320.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: AL
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 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 XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Had violated my rights. 

15 usc 1681 section 602 A. States I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 1681 C ( 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 convictions of crimes which antedates the e report by more than seven years. 

15 usc 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. 

I have made several calls to Regions to let them know about the situation, I spoke with at least XXXX agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I also have a loan with them and now they have caused my loan to be past due for two months due to the fraud that occurred in 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 2019-09-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw on my credit report with a collections from a CACH LLC Resurgent Cap in the amount of XXXX with this acct XXXX I asked them for proof because Ive never had a loan with them nor a MasterCard on XX/XX/2015. Ive exhausted all ways to rectify the situation including asking for proof and again never received anything. So it sits on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/ tried to get a reason why my account was closed after many failed attempts in the past.

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 2022-09-21
Company: Experian Information Solutions 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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We were getting a HELOC with a {$100000.00} withdrawal at closing. However, we were scheduled to have a mobile notary on XX/XX/2022 but had to cancel due to illness from XXXX. 

On XX/XX/2022 I noticed that I had an extra {$100000.00} in my account. Again I never signed anything related to this loan and had no idea why this went through. On the same day I contacted the bank and spoke to XXXX different people and was on the phone with them for over XXXX hours. 

The last person I spoke with said that someone would call me back in XXXX hours. A few hours later someone called and said for me not to touch the money and he will call me back on Monday. He also said that he was just going to back out the transaction and have me sign for the HELOC. 

I told him that I want to know what happened before I sign papers for this loan. I also asked him if this issue would be self reported to a government agency and never received a clear answer. 

At this point I have some concerns moving forward with this loan but Bank of America seems only concerned that I do not spend any of the money. Not once did anyone from the bank apologize for this issue.

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 2022-09-21
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX Open Date XX/XX/2020 Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Best Buy fraudulent purchases totalling {$6100.00}. These purchases were charged around XXXX 2021. I have called Best Buy a couple different times as soon as the bill arrived in the Usps mail. They assured me i did 't have to pay, ( thr fraud dept. ) but i am still getting letters, statements, and more recently, a XXXX express envelope from the bank ( suppposedly ) that issues the Best Buy credit card. I also put a fraud Alert on my credit report. I also, had a similiar fraud experience with Macy 's. I am in the process of handling this with their fraud dept. too, this also was identity theft and the imposter bounced from store to store across XXXX XXXX charging stuff.

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 2019-12-28
Company: EQUIFAX, INC.
State: TN
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 filed an Equifax dispute for which they responded with a letter dated XX/XX/2019 stating they are unable to locate a credit file for one of the following reasons : 1. You may not have a current file. I agree this could be the case and this is also the basis of my original dispute/complaint. Equifax is negligent in maintaining my file current and updated. For instance they are carrying a balance on a XXXX XXXX which has been long paid. 
2. You have not applied for credit recently. This does not apply as I was relocated by my work and had to obtain credit applications for new banks, apartment, utilities, etc. 
3. You have not actively used credit int the past ten years. See # 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
TransUnion is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding TransUnion provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If TransUnion is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. 

Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer

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 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have disputed a account on my credit report which is a XXXX card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a chase card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX 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 2022-10-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX 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 explanation
Consumer complaint received 2020-01-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a CitiAAAdvantage card that I have had for over 30 years. Never a single late or missed payment. Always pay off my balance every month. When it expired on XXXX XXXX I was informed the card was not being renewed and I would get a letter in the mail. The letter stated that my card was not being renewed because I had either a write off on another City card or I filed a bankruptcy somewhere along the line.. Both of which are totally false. They cancelled a Universal citi card that I had since XXXX  several months earlier when it was up for renewal for the same reasons!! I spoke to numerous reps from citi to no avail. I was told send copies of my credit reports to the citi credit complaint department, which I did. You do not get to speak to someone from that department to get a straight answer! 
My credit scores are over 800!! I have never made a late payment in my life including 2 current mortgages on my 2 homes 2 leased vehicles and several credit cards! I have no clue what they think they are seeing on my credit report but they refuse to tell me even after I sent them copies when I was told to do so by one of the numerous phone reps I spoke with.. I want a REASON why I am being put though this!!

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 2021-02-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XX/XX/2020 we contacted Sun Trust now Truist that we would like to terminate our private mortgage insurance under the Home Owners Protection Act. We received a letter from SunTrust that our request had been denied because we did not meet the requirements because our payment history did not qualify, stating that we had a payment that was 60 days or more past due within the first 12 months of the last 2 years prior to the cancellation date. I replied back to the letter via email and explained to there must be something in error because we had never been late on our mortgage payment. The only time we did not pay as scheduled was when we were given the option by the lender to participate in a forbearance program during the height of the pandemic. We were never told that if we participate in the forbearance program that was authorized and backed by the federal government that we would not be eligible to participate in the Home Owners Protection Act even though our home meets the 80 % of the original value of our property. After sending an email to the person listed on the denial letter as our home owner client representative asking for an explanation, there has been no reply or calls from SunTrust now Truist.

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 2022-10-19
Company: EQUIFAX, INC.
State: PA
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXXXXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXXXXXX XXXX Name : XXXX, XXXX Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At first I owed XXXX then I paid it down to XXXX now they are stating I owe XXXX again and they are even writing my old address. So that it has to be forwarded to me by my old landlord.its by resurgent capital services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Currently I have Flagstar Bank Mortgage. In XXXX the Flood Policy from my Association renewed. I had called Flagstar and gave them a heads up because I had a similar issue with previous mortgage company. I gave them contact for the Flood Insurance company and they said they would note it in my file. I called them after they sent me a letter saying that they needed the information Since I am the XXXX XXXX  I obtained the full policy and added it to there document server. Then I got another letter saying that they need the information. I called again and was first told that they didn't have the information. I told them I called and gave the information and added the policy to the document server. Then I was told that they have the information add they are expediting it. Then I found my escrow account pulled from and called again. I was told it was still being reviewed and they are flagged it to be very important.

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