BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
There where credit cards and bank accounts fraudulently opened in my name with truist I seen the inquiry months ago and filed a identity theft report I also filed a complaint on cfpb and they still allowed accounts to be open in my name I would like this account deleted and removed off of my credit report and off of my name thanks My ssn is 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 2022-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NC
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:
equifax has wrongly put late paymnet on my account. i have conteacted equifax in XX/XX/2021 but no issue resolved. I have contacted company XXXX XXXX for this and they said its equifax who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In XX/XX/2022 I already disputed this and information is correct. The Open/ closed is incorrect, late payments are incorrect, and the balance is incorrect. 

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

15 U.S.. 1681 section 604 A. It also state 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 2022-06-23
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:
in accordance with the Fair Credit Reporting act XXXX  Account Name 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 2022-09-19
Company: DISCOVER BANK
State: GA
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 ordered an XXXX XXXX XXXX from XXXX on XX/XX/2022. XXXX showed that the package was delivered on XX/XX/2022 but I never received the package. After waiting for a couple more days, I first contacted XXXX  XXXX  which did not help at all so I opened a dispute on my Discover credit card on XXXX XXXX. On XX/XX/XXXX, Discover resolved the the dispute in favor of XXXX based on the fact that XXXX showed the item as delivered. I simultaneously filed a claim with XXXX  based on advice I got from discover customer support. XXXX could not locate the package and marked it as lost. Discover is still refusing to reconsider the dispute regardless of the fact that I never received my item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CBM Services, Inc.
State: MI
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 reporting of the following have furnished reports has violated each of my rights : XXXX XXXX XXXX account # XXXX, file # XXXX XXXX XXXX XXXX account # XXXX 15 U.S. Code 1681 602 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: TN
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 applied for Car and they said was going to just pull for XXXX. But on my Credit Report, I had 10 hard inquiries on my 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 non-monetary relief
Consumer complaint received 2022-07-27
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Aldous & Associates contacted me via Letter XX/XX/2022 stating that they were attempting to collect a debt, telling me that i owe which is an allegation. The language they used was threatening and forceful stating they would report this negative account on my credit report causing adverse effects to my credit, this is a violation of 15 usc 1692 d stating they have no right to harass, or bully me into paying an alleged debt. They spoke of a contract but neither was provided for me because i never signed a contract with XXXX XXXX nor gave permission to report, furnish or collect anything in my name. Written instruction or permission is required to share my information with Aldous & Assoc Pursuant to 15 usc 1692c ( b ), which i never them permission to contact me in collection with any debt. Also, not only was there no initial communication before sending this letter Pursuant to 15 usc 1692 g ( a ) but the letter that was sent didn't disclose any of the required information about the Original Creditor required to even constitute debt collection Pursuant 15 usc 1692 g ( a ) 1-5. It is clear Aldous & Associates is in clear violation of the FDCPA and has violated my consumer protected rights. They are civilly liable up to {$1000.00} each violation Pursuant to 15 usc 1692 k & I will be expecting a check of {$4000.00} for all 4 Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: ProCollect, 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  Account 's # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Merrill Lynch credit card through Bank of America. 
Benefit for the card is if {$50000.00} is used the year before than a {$200.00} travel voucher is applied to the card for expenses like luggage or drinks or food... 
I have XXXX of the exact same cards, however, XXXX is working automatically but the other card is not crediting me the charges. I have tried to contact the phone # XXXX that is given XXXX and XXXX but both teams have no clue. I can not reach anyone with authority who knows how to fix the problem. I have called and wasted at least 12 hours but there is no record on their part for any of my conversations in the past. I have phone records with the telephone numbers and how long I had to wait for service which went nowhere. 

There are XXXX charges from XXXX for baggage {$30.00} each XXXX. Not only do I want the charges to be credited but that the account is set up so they automatically do this. 
I have wasted so much time with something so simple.

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 2022-06-23
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a checking account with Bluebird.com from American Express.Yesterday ( XX/XX/2022 ), I made a {$20.00} gas purchase at a XXXX convenience store near my house in XXXX XXXX. Right afterwards I tried to use the ATM at that same store and my Bluebird card declined. So I checked the balance and found out my card was drafted over {$160.00} when I made the {$20.00} gas purchase. I asked the store clerk about it and she said its something they started doing on my type of card but the funds should be back on the card in XXXX minutes. It didnt happen, so I called XXXX XXXX and they told me it could take up to XXXX hours to get the funds back, if not call them back. I called them back today sooner than XXXX hours because I have bills that are Now Overdue Today because I had planned to pay those bills yesterday after I bought the gas. On a XXXX way conference call a XXXX agent and I called my Bluebird customer service and they informed me that it will take 5 DAYS FOR AMERICAN EXPRESS TO RETURN THE $ XXXX THEY PUT ON HOLD!!, NOW I WILL LOSE MY GOOD STANDING WITH MY CREDITOR!!! 
THEY HAVE DAMAGED MY CREDIT STANDING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. In/about XXXX XXXX, my wife and I applied to Bank of America N.A . to refinance the loan secured by a mortgage on our home from another bank. We applied via BofAs office in XXXX, NJ where we have for decades maintained a checking account. 

2. The office put us in touch with a BofA lending officer through whom we completed the application process in early XX/XX/2021. 

3. On XX/XX/2021, the lending officer called and later dated XX/XX/XXXX letter arrived, each said our application was denied. 

4. To the question why, the officer replied based on the materials submitted. I asked for an elaboration but she didnt give one.

5. Also during the call, the lending officer refused our request for the materials-whatever the medium or format in which they were created and maintained-that were used in taking the decision to deny us. 

6. She referred us to another BofA person-with the title Assistant XXXX and a different office address- because we wished to further pursue our questions and requests. He did not reply to our written requests for reconsideration. 

7. Despite the lending officers earlier refusals, later that day she sent me an email showing our monthly income of {$10000.00} was {$220.00} less than the required percentage per their underwriting requirements. 

8. Our complaint is based on the fact that BofA omitted the following items from our income shown in the email : Federal tax saving on 15 % of exempt Social Security {$130.00} p.m. 

NJ tax saving on 100 % exempt Social Security income XXXX p.m. 

Federal & NJ tax saving on 100 % of Roth IRA income XXXX p.m. 

Wifes omitted interest income {$25.00} p.m. net of tax XXXX p.m. 

Total {$350.00} p.m. 

9. The omitted items exceed the short-fall by {$120.00}. Therefore it appears our application should not have been denied.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX 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 2023-08-20
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX i do not have a contract with MIDLAND CREDIT MANAGEM, they did not provide me with the original contract as i requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: DE
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 XXXX Account # 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 2022-09-19
Company: Experian Information Solutions Inc.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$58000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}

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 2022-07-27
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Old National Bank took over First Midwest Bank earlier in the month. I have literally spend 2-3 hours on hold. Customer service does not exist. Today 's hold as of now XXXX hour and XXXX minutes! My XXXX account was put on hold. I am unable to pay for my kids housing at college, due tomorrow! All three will now be late and I will be penalized. I went to local branch to resolve, the manager could not??? I have NEVER talked with any customer service person at Old National Bank. It is now approaching XXXX and I see they close at 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 2022-04-24
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this XX/XX/XXXX Midland Funding LLC opened a collection. 

Account # : XXXX {$2400.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all XXXX credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), 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 2022-09-19
Company: Experian Information Solutions Inc.
State: MO
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:
The Credit Bureaus have become negligent of their federal duties and ignored my requests for the removal of the disputed fraudulent accounts and information. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus have not only ignored my requests and continued the erroneous reporting, they have claimed that the disputed items are verified and are reporting accurate information. Once again, I am submitting this XXXX complaint requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/2021. If the Credit bureaus insist that the disputed accounts and information belong under my name, I am requesting that the Credit Bureaus provide me copies of proof of verification or any documents bearing my signature. If the Credit Bureaus can not prove the documents I seek, deleting the disputed items is greatly appreciated.

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