BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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: 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 2022-12-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
by fcra rights and laws for my consumer protection i have not given XXXX XXXX .equifax XXXX XXXX i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am a XXXX  that has accounts with Bank of America and have been charged with monthly card maintenance fees for the past 4 months starting XX/XX/XXXX. With being a XXXX  I do not get charged with monthly card maintenance fees until I am XXXX. I have called numerous times about this issue and have been told each time that they will leave a note under my account that I am under XXXX and to stop charging my card. I have continued to receive these charges each month and recently got one on XX/XX/XXXX. Each time I have called I have been issued a refund expect the charge in XXXX, but the charges continue to happen the following month and no one has stop charging my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!! 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do. 
The accounts and the addresses are not mines i never lived at XXXX XXXX XXXX XXXX ga XXXX and my name is not XXXX XXXX XXXX XXXX or 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 2022-12-20
Company: EQUIFAX, 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 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  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 2022-12-20
Company: FAIR COLLECTIONS & OUTSOURCING, 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 stayed at XXXX XXXX XXXX  in XXXX XXXX We signed our first lease on XX/XX/XXXX. We were never late on our rent and never caused problems for management. Our lease was scheduled to finish in XXXX of XXXX. I was notified that I would be medically XXXX from the XXXX sometime in XXXX. We spoke with the property managers at the time, XXXX XXXX XXXX and XXXX XXXX XXXX, and we were told that there was no issue with finishing our lease early as I was XXXX XXXX when we re-signed the lease on XX/XX/XXXX. We said we were unsure when we would be able to move but we were assured it was fine as the lease does not have a time period as long as the lease was signed while XXXX XXXX. 

When we turned in the XXXX  and notified them that we would be vacating the premises in 30 days XXXX XXXX was no longer working there and XXXX XXXX said she did not have any knowledge of us signing the lease while I was XXXX XXXX. We assured her she was present and showed her the paperwork showing she was the one that signed with us. She became irate and told us to leave the office and we complied. 

We went to the XXXX XXXX XXXX XXXX  XXXX and they typed out a letter informing them that they were violating OCGA 44-7-22 which also does not contain a time limit. My home of origin when I entered into the XXXX  is greater than 35 miles from the rental property. We turned the letter in to the XXXX XXXX and she again became irate and demanded we leave the office. We again complied. 

We moved out of the property and our belongings were moved by XXXX XXXX, indicating that we were still within the scope of our XXXX XXXX to move. 

XXXX XXXX XXXX then persisted with their early termination charge in violation of OCGA 44-7-22 and our lease. 

We filed a complaint with the XXXX  and XXXX XXXX XXXX did not respond to the complaint. 

We were contacted by Fair Collection Outsourcing ( FCO ) about said bill. We disputed the debt and sent them all of our documentation showing the charges were in violation of OGCA 44-7-22 and our lease. They responded with an email containing no documentation and stated they called XXXX XXXX and she told them to continue with the charges. FCO did not do a proper investigation into the debt owed.

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 2022-12-20
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank is requiring me to purchase homeowners insurance coverage for XX/XX/2022 to XX/XX/2022. My insurance agent says XXXX XXXX XXXX XXXX XXXX can't provide coverage for the past, which makes sense. PNC will soon charge me {$190.00} to purchase said past insurance. PNC won't speak to me on the phone and I hit deadends trying to resolve this issue online. Please tell me who is correct. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX, TANSUNION & XXXX The 3 well Known Credit reporting companies have no proof of my written consent to post my personal information on there sites. This is a violation to my constitutional rights, I have the United States laws listed below, with the links attached that protects my right to privacy. Along with the United States law that says the credit reporting companies need proof of my written consent, Which they don't have. I Also have the United States law that states, ( A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ). I do have the Account numbers as well, before the United States laws that protect my Constitutional rights. 

Account Number : XXXX Company : XXXX XXXX XXXX XXXX XXXX Company : XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consum

er reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section XXXXXXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: AR
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 2nd attempt in sending a CFPB Complaint and it has come to my attention that the three Credit Bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. The fact is, I would like to file a case against the 3 credit bureaus for violations of the FCRA Section 605b. I demand an immediate investigation into these violations and appropriate remedies as per ther law. Please help me remove the following items immediately 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

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 2022-12-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made an overpayment to my Citi card ending with XXXX on XX/XX/XXXX, so I contacted Citi on XX/XX/XXXX to request a refund for this overpayment via ACH to my checking account on file with Citi. 

I was told it would take 3-5 business days to process it. 


I did not get it so I contacted Citi again on XX/XX/XXXX, and I was told the refund would be initiated on XX/XX/XXXX, and I need to wait another 3 business days. 

I have done this ACH refund before and I know it usually won't take that long. I checked with Citi on XX/XX/XXXX, and I was told to wait for 3 business days. So I checked my checking account on XX/XX/XXXX, I still did not get the refund. I contacted citi again, and I was assured that I would get it on XX/XX/XXXX XXXX. 

On XX/XX/XXXX, i do not get the refund. I contacted Citi and I spoke with a supervisor about this issue. I was told that the refund request is still under review before it could be processed. I asked how long it would take for the review to be completed, but I was never given any definite information. 

On XX/XX/XXXX, I was told that Citi declined my request to refund my overpayment. 

I do not understand why Citi would not refund my overpayment since this is my money.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: AL
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 settle my account with this company on XX/XX/2022 and its still reporting missing and inaccurate 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 explanation
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, today, XX/XX/2022, Capital One denied my claim on the basis of : We got your request to withdraw your dispute. But I NEVER requested Capital One to withdraw this claim at all. Capital One is lying and/or misleading and wanted to close/withdraw this claim on their own without my consent/approval to close/withdraw it. My claim number is # XXXX. I need Capital One to re-open and/or continue the claim/dispute process. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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:
I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX {$30000.00}.

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 explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: MI
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 7th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: MD
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:
The only address should be reported on my consumer report should state. 

XXXX XXXX XXXX XXXX md XXXX The only name reported on my consumer report should be stated. 

XXXX XXXX XXXX The only phone number reported on my consumer report is XXXX any other names or address and phone should be removed.

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 2023-07-08
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:
I am submitting this CFPB Complaint to dispute the remaining inquiries and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Experian Credit Reporting Agency to follow up and investigate an inquiry in question or to delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please remove the listed inquiries and prevent such occurrence from happening. Under the laws of the FCRA, the Experian Credit Bureau are required by the FCRA to follow up with the creditor. Please see the list of the remaining Inquiries below : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022. The FCRA requires the Experian Credit Bureau to remove the remaining selected items within 15 days. The Experian Credit Bureau is obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Experian Credit Bureau to remove them before I am forced to take legal action.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: CA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Started calling back in XXXX about money disappearing from my account. I was first told that amounts in pending is money that could still be spent which is not true amounts in pending mean that that have already been deducted and waiting foe merchant to claim. I then went called the bank again in XXXX and was told that since there has been fraudulent activity then a new card would have to be issued. After receiving the new card I had to go into the main branch and show my I.D twice due to my card being being locked. Then it started happening again so I went back into the bank a week ago and the bank advised me to close the account and open a new account. The very next morning my banking history and app on my phone was deleted and it stated I logged in at XXXX as last login. I was still asleep at that time. I then went back to the bank and the woman I spoke with by the name of XXXX advised me to close the new account and start another account. No fraud investigation was done or anything. I have been going through this for months and after looking at statements money was transferred from my account through internet transfers. and multiple duplicate transactions. I even tried contacting local police and was told to basically figure out who could have access to my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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