BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022 I received another alert on my credit. Equifax put numerous comments it said on my credit report sense I started the complaint with Consumer Financial Protection Bureau. The comments that they put on my report cause my credit to go down XXXX points. They could not have done an investigation, it only took them 2 days after I filed the compliant to lower my score XXXX point. I am not a genus when it come to the credit bureau world but I know that can't be legal. I have a right to change the mistakes and fraud on my credit report. 
I have read that Equifax has had some coding issues but this is not right to attack my credit report due to my complaint. 

Filing a dispute should have not impact on my credit score but it did with Equifax. This is improper usage of my credit. 

If seems to me that Equifax is retaliating against me due to the errors and things that they knowing put on my credit report and I simply request that it be removed. 

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 1681. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: National Credit Systems,Inc.
State: FL
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 XX/XX/21 a letter was mailed with certified receipt asking for validation of this debt and I havent received a response within the 30 day threshold from XXXX XXXX XXXX I called in to verify my letter was received and they confirmed over the phone please remove this account I now consider it to be invalid after failing to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
First, Equifax has data breach. I have some open account and am somewhat worried about identity theft. News was released that some equifax managers committed insider trading meaning they sold stock before the information about the data breach was made public. I then understand the company is run by greedy XXXX who do n't invest in good security and am glad data breach happened just not glad my info could have been stolen. I used equifaxes website to see if I was affected and got back a maybe so I planned to sign up to use their free 6 month credit check however these XXXX will waive your right to be apart of a class action law suit against them if you do use their service. I plan on using free services to avoid identity theft and will enjoy seeing how much this company will XXXX in the coming months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2021-07-24
Company: eToro USA LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account with Etoro on XX/XX/2021 and invested {$1000.00} in XXXX after filling out my W9 and linking my bank account. I purchased at .6199 and .7293 not on a stop loss. XXXX went down a bit and I wanted to hold it until it came back up maybe up to a year or two- long term no big deal. I logged into my account Tuesday after XXXX XXXX as I always do on weekdays before I start work. I was trying to look at my portfolio only to see I had no active moving markets or any profit to loss margins showing. I messaged EToro letting them know there was an issue with the app and received an email back from XXXX stating I had closed my two positions at XXXX my time on XXXX XXXX causing a loss of over {$580.00}. I utilized one device and only the app for EToro and EToro is telling me I signed in from XXXX IPs and was using XXXX which is not true. I have asked to verify the IPs or the devices and they are refusing. I looked through my emails and found two time stamped that Sunday at XXXX my time stating I had closed my positions at XXXX that same day ( 7 hours ahead of the actual transaction ). I did not close my positions and looking at their reviews they have a habit of doing this and stealing people 's money. They state they will only work with law enforcement to reveal the IPs used. Please, I need help, I have been scammed by EToro. Nothing adds up and I was no where near my phone that evening nor do I use XXXX on my cell or have two IPs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of XXXX, TransUnion, XXXX speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX XXXX in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report XXXX, Transunion, XXXX is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} USDOEXXXX {$23000.00}

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 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2022 Kohl 's contacted my wife 's job trying to contact me. My wife is not listed on my account nor have I ever allowed Kohl 's to contact my wife 's job asking for me or her for that matter. She did ask the representative with Kohl 's to remove her work number from their database. But this situation opens up unnecessary conversation for my wife and her workplace that shouldn't have happen. I have no idea how they got her work number or even knew to pull her job up. I am only a month behind in payment- the new payment has rolled over to a new due date. I hope this is somehow addressed it's a major invasion of privacy. Thank you for your time. 

Also the number that contacted her job is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am an attorney who has practiced law since XXXX. I maintain two accounts at PNC : XXXX XXXX and General accounts. PNC recently purchased BBVA. I banked with BBVA for over 20 years. During that 20 year period it was my usual business practice to electronically transfer monies from the XXXX XXXX to XXXX once I earned the money. Since PNC acquired BBVA they now prohibit electronic transfers of monies from my XXXX XXXX to XXXX. In order to effect the transfer of the monies I have earned to General in order to pay my bills including payroll, I must drive to the PNC branch with a paper check from the XXXX XXXX made payable to me and deposit it to General. This is a waste of time and resources for my firm. This has occurred on at lease three occasions since XXXX, most recently XX/XX/XXXX. 

I called PNC to challenge their practice and was told " this is our policy ''. There is no such prohibition by the Florida XXXX XXXX. PNC cites to no other legal authority for their practice. I believe that PNC is violating some banking rule or regulation with the implementation of this in-house policy and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-06-15
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sold my house and paid off the existing mortgage to Freedom Mortgage Company. I was subsequently sent an escrow refund check for the amount of XXXX. I could not cash the check because it had my ex wifes name included on it. I contacted Freedom Mortgage and explained to them that I needed her name taken off the check since the divorce decree had been satisfied by her having gotten her portion of the equity in the house. I was instructed to send in a copy of the final divorce decree verifying that the house was awarded to me. I sent in the divorce decree and was told that the check would be electronically deposited into my account but it hasnt been and it is going on a month. This same thing happened in XXXX and it was resolved by simply changing the conjunction between the names on the check from and to and/or.

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 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to transunion XXXX XXXX XXXX XXXX The following inquiries are not mine reporting to transunion XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to XXXX  and XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX The following accounts are not mine and reporting to XXXX  and XXXX  XXXX XXXX  XXXX   {$950.00} XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}

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 2017-09-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
this is in refferiance to my american express debit card ... .. I 'm inquiring if you could help me gain  account information i purchased the card with my debit card but i have a different account now.. from there i purchased a few totals over or possibly 12 thousand ... from there i would like to with in reguards to my social security hoping thats what is locating refferianceability I 've even had a sev and ... from the m .... with that stated i would like if you could do all in your power to help i do n't have any information to offer as in any more other than my birth date as well which isXX/XX/XXXX as well from there i would like if you could refferiance the applicabilty of a prior complaint i would of sent ... aswell if unable what is the difference if i purchased with a XXXX bank debit card from a checking account in the united states of america do to thts were i from live as well would of been using the card ... if attempted purchases would matter.. i canceled an order from XXXX ... as well I 'm not sure but my latest deposit or money transfer ( all only in regards to the american express gift card reloadable card ) from transit check ... if not 1,800 dollars 2,800 dollars ... humbly I 'm in a destine situation this was my emergency money which for whatever reason if email encryption then that but i ca n't access ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( which is reported multiple times ), XXXX XXXX XXXX ( which is reported duplicate )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut XXXX XXXX down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have over 119 credit inquires on all XXXX credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I made a withdrawal from a XXXX. ATM for {$750.00} ... On XX/XX/XXXX. I attempted to make another withdrawal for $ XXXX.but the money did not dispense. And did not give a receipt. The screen stated that I need to contact my bank to dispute ... Ameican express bluebird .. I did that submitted the request dispute in writing.. I was advise that .. it will take up to 10 days.. on XX/XX/XXXX i received and email stating that they closed the dispute and i would not get my money ... I call back and was told there was nothing that could do they received documents that said it dispense.. I asked for a copy and all it show is the atm location and the debit amount.. I ask to speak with a manager there is never one available ... ask how i can submit a complaint and I was given a fax number. That money was to pay my rent .. I now have less than 5 days to vacate my home ... American Bluebird customer service or dispute Dept is no help .. I just want to get my {$750.00} I cant just walk away from this I have to pay my rent and other bills. i just want some help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called TransUnion this Morning around XXXX, Customer Service would not Help me take care of Negative Inquiries reporting to my Credit Report, I held on the phone for 45min for a live person to even answer and was blew off in 5min! She wouldnt even let me complete my sentences. I have Inquires that i know that i did not authorize!! I have called the Collectors and TransUnion trying to resolve this matter List of Inquiries that are not Authorize by me 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX XXXX Also i have been disputing the same collection debt from TransUnion for about 2years now this account was removed off all other credit reports bc it was a fraud account but Transunion refuse to remove it off my credit report this account should have been removed off my report it has been well over 7 years JXXXX XXXX XXXX BALANCE {$5100.00}

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 2018-06-03
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
XXXX I was late with payment to XXXX XXXX ... .Paid it immed after notification And paid the arrears and brought account up to date ... I had a Score of XXXX XXXX reported this and my credit score dropped 90 points ... .This is severe after having a clean record for over 15 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 explanation