BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NV
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 sent a letter on XX/XX/22 to XXXX and Equifax to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX  XXXX Balance : {$32.00XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX FCRA Violation : auto loan not mine XXXX XXXX {$33000.00} FCRA Violation XXXX collection not mine XXXX XXXX XXXX  {$550.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I made a purchase of about {$5800.00} at Jareds at XXXX XXXX in XXXX Florida. The employee in the store suggested I use the gold card program as it had an 18 month interest and payment deferment. I questioned this program along the lines of can I wait around ten months to pay then pay it all then? and so I can pay at any point, no minimums?. The employee responded in the positive to these questions. This turned out to be untrue as I received a minimum charge the next month. Unaware and unexpected it has affected my credit and caused financial issues. I had another party return to the store to be sure there was no misunderstanding. Again the employee touted an 18 month payment and interest deferment. When questioned on the minimum payments the employee responded along the lines of oh, well I guess its not really a payment deferment. Jareds will not accept a return of the item and comenity bank will not grant an 18 month deferment as discussed. I feel I have become a victim of fraudulent misrepresentation and bait and switch tactics. I would like to resolve this out of court but will take legal action if not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-04-14
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I received an overdraft of {$34.00} from Huntington Bank. The day prior I received another overdraft amount of {$25.00} and some change. This is the fourth time that Huntington Bank has made me pay the fees in which I have had ample amounts of money in my checking account. I have no overdraft turned on so I dont understand how am I being overdraft from my account. In the past when I have made this complaint to Huntington Bank, they have made no effort in explaining the reason for overdraft and I am left with paying money back money that is actually mine because of transferring fro lm my savings account to my checking account to pay bills and etc. Upon reviewing the overdraft and having to pay the fees back I believe I am being fraudulently charged without proper reasoning from Huntington Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/23 I discovered an error in my escrow and insurance on my mortgage statement. 
Bank of America taking out extra funds for escrow/insurance each month. 
My insurance is $ XXXX yearly. 
My insurance is {$120.00} monthly. 

My mortgage statement shows I have been paying {$200.00} monthly for insurance. 
This property has been TAX EXEMPT for over 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
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:
In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) XXXX, Equifax, and XXXX has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX XXXX  XXXX  # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate XXXX. XXXX XXXX  XXXX Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXX. Fair Collections & Out Account has been paid off This company has not license to collect in XXXX XXXX Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXX. XXXX XXXX XXXX XXXXXXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally was informed on via CFPB complaints on XX/XX/22, XX/XX/22 and XX/XX/22 that this lease was submitted to Ally by XXXX ( auto dealership ) using fraudulent documents ( my signature is forged on the purchase order ). Ally has demonstrated relentlessly habitual bad-faith in investigating this matter. Ally has provided no response to claims of forged documents being submitted, and has conducted no investigation. Ally has made clear they are aware of and condone funding auto leases predicated on fraudulently submitted documents. Any response to this complaint by Ally that does not specifically address the fraudulently submitted purchase order will be considered an admission of guilt and should include the appropriate legal contact information for submission of summons and subpoenas.

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 2023-04-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Unfortunately, American Express National Bank was reckless in giving a credit card without my knowledge to a criminal on XX/XX/XXXX ( attached IDTheft_Report submitted to Federal Trade Commission ). 

As attached ( Fraud Card ), regular payments stopped in XX/XX/XXXX. American Express National Bank did not contact me. 
=== Although i receive regular mail for my American Express Personal Savings account, i never received mail or email for this credit card activity. American Express National Bank has never contacted me before, on this and I never received prior inquiries for this debt. 

Instead, the debt was outsourced to a debt collection agency. XXXX hired a XXXXXXXX XXXX XXXX  ( attached Complain for account ). 

I do not have any responsibility for the debt the law firm is trying to collect. 
This is my second complaint. 
==== In the first complaint ( XXXX  response ) sent by Consumer Finance Protection Bureau, the company, XXXX XXXX of The law firm XXXX XXXX firm responded, they initially looked to serve me on XXXX XXXX XXXX, XXXX, CA XXXX. My home address is in XXXX since XXXX. 

XXXX XXXX of The law firm XXXX XXXX XXXX, represents plaintiff, American Express National Bank, some how found my home address & has served my husband, i was not at home at the time XX/XX/XXXX, with a complaint against me, owing {$4500.00} within the past 4 years. 

I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. 

I filed a dispute with XXXX for the following on XX/XX/XXXX, and the following were removed : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description XXXX found the disputed information were sent in by American Express National Bank XXXX 

American Express National Bank allowed to send a legal complaint which is unverified, as it never belonged to me, i never opened an account with American Express National Bank Shouldn't American Express National Bank provide verification of debt. 

If there is a good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account == 2. Proof of the transactions & statements == 3. Proof of prior attempts to contact me ==

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/XXXX I contacted Bank of America about a Credit Card that was open without my authorization. I never requested or wanted any business with Bank America. The account is XXXX XXXX XXXX XXXX. I first received a notice of this card when I opened a letter from Bank of America with an Account Summary/Payment information showing a balance of {$7000.00}. It showed 4 purchases that I never made. I contacted Bank America immediately via phone on XX/XX/XXXX at XXXX XXXX  and spoke with B of A fraud representative named, " XXXX ''. He noted our conversation that I had never opened the account and he said he closed the account. I spent the morning contacting all three credit bureaus and sent a letter to B of A on XX/XX/XXXX with a letter sent Certified Mail Receipt number XXXX XXXX XXXX XXXX XXXX with a copy of the FTC Identity Theft Report XXXX with a copy of the California Drivers License and XXXX XXXX XXXX Police report number of XXXX. On XX/XX/XXXX I sent another Certified Mail Receipt letter ( XXXX XXXX XXXX XXXX XXXX ) with a copy of my CA Drivers License to B of A with an original 'Fair and Accurate Credit Transactions Act of 2003 ( FACT ACT ) Identity Theft Victim Request for Information

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 2023-01-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Information and documentation requested from XXXX XXXX XXXX ( XXXX ) has been refused : 1 ) Provide XXXX accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in 2002. How did it originate? Who provided the initial funds and how? 
2 ) Is XXXX a debt collector? if yes, identify yourself as such. 
3 ) Does XXXX have a contract with said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX? 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX Mortgage XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with XXXX and has never assigned power of attorney to XXXX to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX Mortgage XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with XXXX has been in dispute for over a year, why is XXXX still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized XXXX to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.

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 2023-04-17
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I tried to file a phone claim that XXXX XXXX XXXXXXXX is rigged. I lost XXXX in less than an hour .The lady who helped me on the phone made an error and disputed my winnings of {$3200.00}. I contacted the bank numerous times and have gotten the run around. m and t bank has put my account at negative {$4700.00}. Bc of their careless actions. I have not gotten this resolved as of yet. The customer service has been unhelpful and I don't want to go to a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In short they made an error and need to fix this immediately. As I am losing sleep

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the fair credit reporting act XXXX XXXX XXXX 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 an account without my written instruction.

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 2023-01-26
Company: Stellantis Financial Services US Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

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 2023-01-26
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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

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 2023-10-11
Company: Experian Information Solutions Inc.
State: MD
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, 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 2023-10-11
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am reaching out because there is a ticket on my Lexus Nexus report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with Lexus Nexus, for XX/XX/XXXX. I was never informed there was a ticket by Lexus Nexus, I was never ticketed on public or private property, and this is inaccurate information. 

Regarding XXXX. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by XXXX that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.

Company response to consumer: Closed with explanation