BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: TX
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 XXXX  XXXX, XXXX  XXXX XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Their investigation did not fix an error on your report

Complaint:
After researching, I found under the Fair Reporting Act ; everything must be 100 percent accurate on my credit report. Upon requesting that XXXX verify and correct my credit report, I found inaccuracies from the re-investigation relative to the XXXX  XXXX  account. The date of the Last Activity and the Date Reported is inaccurate. 

The inaccuracies reported are grounds for the removal of this account. The credit bureaus have violated my rights numerous times. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: MN
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 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have multiple comenity bank card accounts. None of the accounts are able to be used for purchasing and none of the accounts are available to make payments on. Online or by phone. The company is XXXX. There is absolutely no communication. This has been the case for over a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a collection Notice from this agency on the XXXX of XXXX and even before I could dispute it, which was not stated on the notice, the amount they tried to collect from had changed due to interest. This agency also has not responded to my information request for debt verification which I shall attach on here including the notice they sent which was intentionally worded to try and confuse me. This account never showed up on my credit and just popped up this month I have no knowledge of ever owing any type of debt to this collection agency nor to a gym. And the company has not yet reached back to me regarding my request but have furnished the credit bureau with an updated amount including interest.

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 2023-02-07
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. 
The other documents are attached to the previous compliantXXXX

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 2023-09-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2022-06-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I went to the bank and made a withdrawal. On the same day the bank processed another customer 's withdrawal against my account. 

On the XX/XX/XXXX I noticed the transaction, called the bank and they opened a fraud case and deactivated/blocked my account. 20 minutes after that call, I examined the image posted to my account and called back the bank to let them know that the " fraud '' transaction didn't have my account nor signature. It was the bank 's error because the customer had correctly filled out their withdrawal slip. 
In light of this I asked for the block to be lifted from my account. I was told that I would have to go to the branch to have this done. I was told neither customer service nor the fraud department can remove blocks from account. 

In an attempt to have access to my account I have been to the branch twice, made innumerable calls to customer service and been transferred to multiple departments with no success. Today I still have no access to my account and I'm still being given the run around. Ie. being punished for a problem that was no fault of mine.

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 2022-06-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
After researching, I found under the XXXXair Reporting Act ; everything must be 100 percent accurate on my credit report. Upon requesting that Experian verify and correct my credit report, I found inaccuracies from the re-investigation relative to the XXXX XXXX  account. The date of the Last Activity and the Date Reported is inaccurate. 

The inaccuracies reported are grounds for the removal of this account. The credit bureaus have violated my rights numerous times. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

According to 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have several credit cards with Comenity Bank, XXXX XXXX, Sony, XXXX XXXX is my due date and is imposible to make the payment, I have been trying to get online to pay my bill that was due today. Site down all day long. it's been down for days with no communication. So I have no way to make my payments, customer service number says " due to unforseen circumstances our offices are temporarily closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: TD BANK US HOLDING COMPANY
State: TX
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:
This account was charged- off as ordinary income and I was supposed to receive 1099 form. I never received the 1099 form IRS, this is showing incorrectly and has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The Comenity sites, call centers and easy pay access are not working since XXXX XXXX. I have tried every possible way to make a payment to no avail. They have a generic response on XXXX starting that their scheduled maintenance is taking longer than expected. I fear that this will result in a late payment by no fault of my own. There is no information available and no clear response. I am not the only one, XXXX feeds are full of other customers who are experiencing the exact same issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
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 XXXX Account # XXXX, XXXX, has violated my rights. 

XXXX5 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I got a copy of my credit report and noticed some inquiries for credit cards I did not authorized. The inquiries were for XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I filed an identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or from the XXXX of XX/XX/2021 through the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing PNC Financial Services Group services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
GUARANTEED XXXX XXXX ASSUMEND OR BOUGHT MY MORTGAGE ON XX/XX/2022, AFTER I CLOSED ESCROW ON XX/XX/XXXX. I APPLIED IN ESCROW TO MAKE BI-MONTHLY PAYMENTS, IT WAS NEVER SET UP SO. AFTER I MAILED IN MY FIRST MONTHLY PAYEMENT I CALLED THEM & REQUESTED BI-MONTHLY PAYMENTS. THE NEXT MONTH I MAILED IN THE PAYMENT AGAIN & IN XXXX ANOTHER PAYMENT. I CALLED THEM AND ASKED THEM WHY WASENT I PUT ON BI=MONTHLY PAYMENTS? THERE ANSWER WAS IT CAN TAKE UP TO 2 MONTHS. 
COME XX/XX/XXXX, I RECEIVE A DELINQUIT NOTICE AND ALSO A LETTER FROM XXXX XXXX, XXXX, TX STATING THEY WILL BE MY NEW MORTGAGE COMPANY XXXX ON BEHALF OF XXXX XXXX, XXXX  EFFECTIVE XX/XX/2022 XXXX I CALLED GUARANTEED XX/XX/XXXX, & TALKED TO A XXXX XXXX XXXX IN CUSTOMER RELATIONS & ASKED HIM WHY THEY NEVER TOOK OUT THE BI=WEELY PAYMENYS & ALSO WHY AM I BEING CHARGED A DELINQUINT LATE FEE OF {$17.00}? HE STATED BC THEY NEVER RECEIVED THE PAPERWORK FOR THE BI-WEEKLY WIITHDRAWLS BUT HE WILL RECIND THE LATE FEE. 
TODAY SINCE I OWE THEM FOR XXXX I SENT THEM IN MY PAYMENT OF {$690.00} THEN SINCE THEY SOLD MY MORTGAGE I ALSO MAILED A CHECK OF {$690.00} TO XXXX & REQUESTED THEM TO MAIL ME THE PAPERWORK TO BE PUT ON AUTOMATIC BI-WEEKLY WITHDRAWLS. SINCE XXXX TOLD ME AS OF XX/XX/2022 MY MORTGAGE # XXXX WILL BE IN EFFECT I OWED GUANTEED FOR XXXX SO I JUST SENT THEM THAT CHECK & SINCE I WILL OWE XXXX FOR XXXX I ALSO SENT THEM 1 CHECK FOR {$690.00}. 
I WAS NEVER TOLD OR RECEIVED ANY MAIL OR PAYMENT COUPONS OR BOOKS, OR NOTIFIVATIONS FROM GUARANTEED UNTIL NEAR THE END OF THE MONTH STATING I WAS DELINQUINT & TO MAKE A PAYMENT NOW. 
GUARANTEED RATE LETTER WAS MARKED XX/XX/2022 & I RECIEVED IT ON XX/XX/2022 BUT WHEN I MAILED IN A PAYMENT IT WAS WITHDRAWN 3 DAYS AFTER MAILING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-06-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 bought an upgraded airline meal, on XXXX XXXX. The meal did not resemble anything like what the airline had advertised. It was advertised as a luxury meal and looked like pig slop. So I never received what I bought. XXXX has so far not given refund, and Chase credit cards refuses to resolve, claiming I received what I paid for, because they appear to not even look at pictures sent in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Bread Financial ( formerly Comenity Bank ) online bank services have been inaccessible to everyone for over a week straight now ( XX/XX/22 - XX/XX/22 ). I, along with others, have been unable to view any charges and transactions history in any of my credit cards that I have with this banking institution. This appears to be in violation of the terms of their services to their consumers. I am also unable to make payments on any of those credit cards. This will hurt my credit. The bank has stated that they are " currently undergoing a planned system update that has taken longer than expected. '' However, they did not announce this update to its users and are not being transparent about what is taking place. I am the one who has to has to suffer and potentially incur fees and penalties for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief