BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a few accounts that are not accurate XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX I want to formally request as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I have filed a Police report with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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:
I have never gave XXXX XXXX XXXX, experian, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.

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 2023-03-13
Company: EQUIFAX, 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:
I have never gave XXXX XXXX equifax, XXXX, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I applied for a bank of America business credit card back on XX/XX/2023 and application was received after I sent about 8 documents including sensitive information they requested including my tax returns for both years. After reviewing all the information, bank of America declined my business credit card application and sent me the decline email and letter XX/XX/2023 ( see attached ). 

Fast forward to today XX/XX/2023 and I wake up at XXXX XXXX to an inquiry on my credit report from bank of America. They pulled my credit again for this same application that was already closed without my consent. I never called or talked to someone and asked for this reconsideration, my report is not allowed to be pulled a 2nd time without my authorization. I need bank of America to work with XXXX to remove the inquiry dated XX/XX/2023 from my credit report as this was not authorized. You can't say that it was a reconsideration because I never asked for this and if I were to ask, I'd expect to be told I would get another inquiry. This inquiry needs removed as it was not authorized.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: OH
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 Confidentiality Under 15 USC 1681 Account Name : 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

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Confidentiality Under 15 USC 1681 Account Name : 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

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 2023-03-13
Company: Affirm Holdings, Inc
State: AZ
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, has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666 : A creditor may not treat a 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 2023-03-13
Company: OPORTUN FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Path Forward/ XXXX showed up on my credit report, and I received a letter declining my application. I called the company to inform them, and they asked for additional personal information, which I would not provide. I NEVER applied for any personal loan. This was on XX/XX/XXXX. I didn't apply for any loans. The application ID # from XXXX is XXXX dated XXXX phone number is XXXX. 

I also have a 2nd hard inquiry report from XXXX XXXX XXXX on XX/XX/XXXX. I didn't apply for this loan. Someone is trying to apply for personal loans in my name. 

I have NOT APPLIED for any personal loans since XXXX of XXXX. 

I think someone has hacked into my XXXX XXXX account. I updated my password today, XX/XX/XXXX. I need to get these hard inquiries off my credit report they are lowering my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Midland Credit Management sued me while I was in good standing with a settlement agreement through XXXX XXXX XXXX on the first of three accounts held. 

All three accounts are from defaulted credit card debts. They continue to report the collection balances higher but as stated they sued me on the second account they held while I was making monthly payments on the first account. They are the only collection on my credit report & have also put a lien on my Fed tax return. I just couldnt afford to pay on all three accounts simultaneously but was in good standing on the first account when they sued me.. They sued me for {$1700.00} on an original default of {$600.00} credit limit. I settled the first account they held ( synchrony bank ) and paid it off a couple months early in good faith, prior to realizing that they sued me. In total they received {$2500.00} on the first account & dont deserve a penny more due to their unethical practices. I wouldve negotiated on the other accounts if they hadnt been so impatient & wanted me to pay on all accounts simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a purchase i made at food 4 less. Super market the bank declined on. Reimbursing me with the funds. That came from my finances $ account. No good cause or legitimate explanation was given to me.The items i tried returning. I do in fact have a receipt in my possession.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I have attached an FTC report with 3 fraudulent account and fraudulent inquiries I did not authorize

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 2023-03-14
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Venmo disconnected my bank account with no notice or explanation. Robotic and automated answers have been sent to me in reply to several emails I sent. I can not add my bank account or a debit card using the Venmo website or the app. Venmo holds over XXXX dollars in my Venmo account and is unwilling to solve their technical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Its has been over month plus I had on my excellent credit was approved for n XXXX from capital one but they wanted copy of my DL for verification witch is my understanding illegal as I had zero issues on my credit report no fraud alert security freeze XXXX. I did anyway sent in via emailing copy of my Indiana DL to unlock this n get my card mailed to me but yet two weeks later XXXX card sent this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a 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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just looked at my consumer reports and noticed an account that needs to be deleted. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never provided written consent to report the account : XXXX XXXX XXXX Account XXXX : XXXX. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand this account to be deleted from my TransUnion consumer file.

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 2023-03-14
Company: DLC, LLC
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:
REPORTING XXXX ACCOUNT # XXXX MY RIGHTS 15 USC 1681 SECTION 602 15 USC 1681 SECTION 604A SECTION 2 15 USC 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a non fault rear end collision in 2019. All medical bills were handled with an insurance settlement approximately 6 months later. 4 years after I got a random letter from a collection agency saying I still owe on one bill. Which was also paid. They immediately reported to the credit agencies but now after 3 months of repeated attempts to dispute the debt and contact the collector, I have had zero response from said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Bread Financial Holdings, Inc.
State: MO
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 Report Act XXXX accounts XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A Care credit representative enrolled me in autopay and told me that my monthly payment would be enough to pay off loan by end of promotional period. XX/XX/2023 I was charged about {$2500.00} in interest fees because they said my balance wasnt paid off in time. They charged interest on original loan amount multiplied by 24 months. That is almost 50 % interest. I never received a contract with the agreement from the doctors office or care credit. None of these terms were made clear and I never received anything in the mail saying my promotional balance was ending and I would be charged these fees. At some point they enrolled me in paperless billing and now they are telling me that a lot of times their emails go to the spam folder. I found no emails from care credit informing me of these terms. I tried calling and offered to pay the remaining balance in full and begged them to remove the fees. They said I am one month past the promotional period and they wouldnt remove the fees or offer any kind of solution. A care credit representative made me believe I was paying enough each month and I would accrue zero interest. She lied and no one will help me. My credit score took a huge hit and that is the only reason I even was made aware of this outrageous interest charge. This company is very deceptive and they are scamming people that desperately need medical care.

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 2023-03-14
Company: EQUIFAX, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Radius Global Solutions LLC
State: NJ
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:
I have received phone messages from, caller ID reads, Possible Spam Call / Private Caller or Radius Global on Wednesday, XX/XX/2023 and XX/XX/2023, leaving messages for an XXXX XXXX to return there call. Ive called and informed a woman who answered that their company is calling my home for someone that does not live here and to stop. 
Calls continued as spam calls from this company via different channels. On Monday, XX/XX/2023 I received a letter, ( see attached ) addressed to XXXX XXXX to my address. I wrote on letter, return to sender, does not live here. I sent letter back without opening as this was not my mail, via delivery confirmation. I researched this and noted this company is a possible scam entity ( see attached ). The person XXXX XXXX does not live at my address. Im a XXXX XXXX XXXX XXXX with XXXX XXXX alerts on all my credit reports as to my job. ( see attached ). I would like the CFPB to assist in stopping this entity from continuing to harass and communicate with me. I do not know this entity nor owe anything to anyone but they continue to send mail and call my home.

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 2023-03-14
Company: EQUIFAX, INC.
State: DC
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:
Equifax was instructed to no longer include medical debt in collections under {$500.00} on credit reports by new Biden Administration regulations. I have a medical debt from the negligence of a doctor that is being investigated by the State of Pennsylvania and therefore I did not pay the uncovered debt. It was reported to the collection agency and it is under {$500.00}. I reported this to Equifax as a dispute and they sent a letter stating it is valid and left it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Union Home Mortgage Corp
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Spoke with representatives re : late pmts posted on credit report. Asked that they be removed. Impacted by Covid and according to the law, it's illegal. 

XXXX XXXX and Union Home Mortgage

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 2023-03-14
Company: Experian Information Solutions Inc.
State: HI
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:
There's incorrect information on my credit report

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