BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today on XXXX XXXX at XXXX XXXX in XXXX XXXX, FL XXXX XXXX around XXXX XXXX  I went to make a return without a receipt and the worker at the counter states to hand over my drivers license - The worker at the front is new as she stated it to me and the person before me. She was having a hard time and continue to scan my license. The screen on my end stated to enter my birthdate which i did and then came up to enter my social - before I did that I stated to her why do you need this I have never been asked this before and she states this is the new policy for a return with a receipt so I ended my social as she is clicking things on her end and then on my screen it says congratulations you have been approved for a credit card at XXXX XXXX  with the credit amount. I stated to her why is this coming up I did not come here for a credit card I came here for a return and she states she did not know how this happened. I asked to speak to someone higher up then she was and XXXX came to the front and I explained what happened. She gave me the number to the bank to call them to get it canceled as it is beyond what they could do at the store. This is fraud, I never once asked for my credit to be ran nor a XXXX XXXX. XXXX XXXX solicited a credit card application to myself without my knowledge or consent. The worker XXXX at the front had no idea and was pushing buttons. This needs to be canceled and not sent to the credit card agency or cleared off of that too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Accounts XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states XXXX have a right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt is being reported as charged off for 3 Comennity accounts in my name that the credit has failed to provide verification of debt for and has now begun hanging up when I request this via the phone since my letters are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2023-01-12
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:
EXPERIAN CONTINUES TO NOT GIVE ME ANY PROPER METHOD OF VERIFICATION ACCORDING TO SECTION 611 AFTER PERFORMING A RREINVESTIGATION THIS WILL BE USED AS PROOF OF WILLFUL NON-COMPLAINCE AND INCASE OF PROOCEEDING TO LITIGATION. 

ATTACHED>>>>LETTER FROM XXXX XXXX  STATING THEY DO NOT BY LAW HAVE A COPY OF ORIGINAL CONTRACT WITH MY SIGNATURE MAKING ME OWNER OF THIS FRAUDULENT DEBT OR ACCOUNT>>>>ALSO ATTACHED POLICE REPORT AND FTC IDENTITY THEFT 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 2023-01-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been calling Equifax on the following days trying to get my simple credit report. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Their staff either doesn't understand XXXX or makes mistakes & I've wasted at least an XXXX  of my life each time I have called. 

I was told my report was snail mailed to me XXXX weeks ago. I never got it. Then I get some letter saying I disputed something when of course I didn't because I NEVER got my report, so how can I dispute something I never got. This is how stupid they are. 

First I couldn't get an online account created over & over ( at least XXXX  times ), then I had to fax them my ID twice. 

Even AFTER they had my ID, the online account couldn't be created & a password reset wouldn't work over & over. 

This last time I spoke to a manager, she made me jump through hoops telling me I didn't have an account when I knew I did, then put me on hold because the p/w reset didn't work & then just disconnected the call to the survey after I was on hold for XXXX mins. 

I'm LIVID. 

I needed this report back in XXXX, we are now in XXXX. 

I give up on dealing with their incompetent staff & terrible online site that doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MD
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:
Account opened XX/XX/2021, Amount {$600.00}, Account improperly reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Was not notified of investigation status or results

Complaint:
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, Regions Bank placed a Freeze on all my Accounts at the request of an Attorney - XXXX XXXX XXXX without a Court Hearing and without an appropriate order from the XXXX XXXX XXXX XXXX XXXX. 

The Court knows Mississippi Civil Procedures have been violated in this process and that's why they are trying to hurry and have hearings violating the 30 day procedural requirement and a sufficient Order given by the Court instead of being written by an Attorney. The Court Hearing was scheduled for XX/XX/2022 for the Freeze. But, the Freeze was placed on the Accounts on XX/XX/2022 before the hearing. And, then tried to do a quick turn around to do another hearing before 30 days on a Summons by a Judge who's under Judicial Performance Review. 

Regions Bank told me I need to go Court and settle this with the Court to remove the freeze initiated and prepared by the Attorney instead of a Court Clerk after a hearing with the Court Seal and Judges Signature. 

The matter at hand is an XXXX  Account with a check written out to me by XXXX XXXX XXXX and deposited into Regions Bank as an XXXX  Account at the request of my Deceased, Sister. 

Regions Bank allowed banking information to be given out on my Accounts according to the Prepared Order, by Attorney XXXX XXXX XXXX and then froze the accounts without a Court Hearing on XX/XX/2022.

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 2023-06-19
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 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 2023-01-12
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2023 I applied for a personal loan with one main financial through credit karma. They did a hard pull on my credit. I have good credit. They then try to link to your bank to verify income. My income is sufficient by there standards however I bank at a small credit union that doesnt link with there software so my loan could not be processed. However the inquiry on my credit remained. So my credit dropped and I never had a chance at approval. It seems to me that they should disclose their process prior to inquiring on your credit. I called the company and they said they understand but there is nothing that they could do. This is a deceptive business practice. Why would I apply for a loan that because of technical reasons I would never be able to receive. The company told me to call the credit bureau and the credit bureau told me to dispute it with the company. One Main financial is using unscrupulous business practices and not operating with full transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX have 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 2023-04-10
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2023-06-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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/XXXX I submitted An investigation With Transunion XXXX And XXXX for the Account XXXX Credit Card with account XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

previously disputed I do not agree with findings and the time taken

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 2022-12-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has received a cash withdrawal email notification after 180 days, but I can't linked to the bank and withdraw cash now. I have contacted customer service representatives many times, but the problem has not been resolved. Please " CFBP '' help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have a medical collection on my credit file for a debt that hasn't even been settled in court yet because i was in an accident that was not my fault. My Attorney stated that i should file a compliant against this company for reporting a negative mark on my credit file on a case that is still open.

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 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Give me around 2 to 2 1/2 months ago I was having problems, accessing my checking and a savings account and online banking. There were charges made on my account that were not mine. When I received the notification of unusual activity by the time I was able to try and reply via text or online app, I have been locked out of my account. I visited several branches and spent numerous amount of time with the managers trying to access my account. I was told that everything was resolved over and over. 

I was able to get them to investigate a few transactions which they determined were fraud and then went back and said they were not fraud and charge back my account. Theres a course of this investigation it has been determined that this was not just an ATM or debit transaction that this was actually an identity theft situation. 

Not only do the thieves seem to have access to my account numbers but they have made changes and have access to my XXXX XXXX XXXX  account. My XXXX XXXX, my XXXX XXXX email my XXXX account as well as my XXXX XXXX  account. With his bank account they have been able to withdraw a substantial amount of money at ATMs. They also have apparently. 

At this time, apparently they are still able to access my account however, I am not. Finally, I love todays date I was able to game accessed online, however calling fraud. They were unable to help me once again. And they referred me to the local branch. I have been to the local branch three times, unable to get reservation because they are unable to access the online as well. 

We have been doing business with Bank of America since it was XXXX  XXXX, then went with nations bank and finally now Bank of America for over 30 years. 

I would like these transactions verified, as well as the phone calls that are supposedly record it with fraud to see who is taking control of my life, my money and my accounts.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE FILE FTC REPORT AND I DID EVERYTHING ON MY PART XXXX SEE THE ISSUE THE DOCUMENT ALL PROOF AND STILL REFUSE TO FIX 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 non-monetary relief