BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
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:
It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$650.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 non-monetary relief
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to or benefit from the following information XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI
Product: Mortgage
Sub-product: VA mortgage
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:
In XXXX of 2021 the mortgage that we hold was bought out by Carrington LLC. 
When they bought the loan, they bought it just as the payment was due from our former carrier and as a result we needed to make two mortgage payments- one for XXXX and one for XXXX. One XX/XX/XXXX I made a payment for XXXX which covered XXXX and XXXX mortgage. It was not late as they were in the process of changing companies. 

The payment was split into two. XXXX went to the principal which it was NOT supposed to do. I spoke with their customer service department in XXXX and in XXXX and was told this was fixed. Turns out not only was it not fixed but now we are behind 40 days and it hit our credtit I Spoke with customer service again in XXXX and XXXX and they told me not to make a payment in XXXX as it would resolve this issue. They payment still came out of my account and it bounced twice. Now I have late fees and can not make a payment due to the bounce status of the old check. 

I am working to resolve this however, I can not make a payment unless I use certified funds and the company is telling me that if I don't fix this now, I will have another hit to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I requested debt validation from XXXX and Equifax and received nothing to validate the debt. I have disputed with accounts several times and they sent a letter saying they changed addresses but didnt send a letter answering my request. The debt does not belong to me and they havent sent any verifiable information to say it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnished an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Advance America, Cash Advance Centers, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/2022 This account has been disputed several times due to identity theft. The collections agencies continue to resale this debt for collection activities and I have provide the police report in regards to my personal information being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Synovus Bank
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: Account status incorrect

Complaint:
First progress secure credit told me that if I paid the balance off that the account would be removed from my credit report. 

They have refused to remove the account from my credit reports XXXX, XXXX XXXX and XXXX. 

Ive disputed it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax still has my brother 's name listed within my personal information and identification of MyEquifax account. My brother and I have been trying to get all of our information separated for quite sometime ; however, Equifax has still not completed our requests fully and accurately. This is causing my brother and I hardships because of their ( Equifax ) errors, and their inability to complete our disputes fully and accurately.

My brother has given me permission to send his complete name via his driver 's license and his social security card. I've also included my name via an image of my driver 's license and a copy of my social security card to show that we are different people with different names, different dates of birth, and different social security numbers. Our personal details are listed side-by-side so that Equifax can see the differences in us both.

I have also uploaded a screenshot of my my personal " MyEquifax '' account page to show the inaccurate information on my account. I've written my username on the screenshot and have circled each section that Equifax needs to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and 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 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 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 2022-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 and there are several fraudulent inquires and a fraudulent account open on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my rights.

15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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 2022-12-03
Company: AFNI INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I owned a XXXX in Florida and used it approximately 3 months a year. I used it as a snowbird. 
I signed up for a package deal with XXXX XXXX and XXXX for service. I advised that I was only going to use it when I was there. For the other months I would have to pay a fee to continue the service. I also told that I might sell the property. 
I was not there for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because of Covid 19. I paid for when I was there and the partial fee for both companies.

I was there for approximately 6 weeks in XXXXXXXX XXXX XXXX XXXX XXXX 

When I left I advised that I was going to sell the properety. I had no problem with XXXX XXXX. When I left, I returned XXXX equipment with me and returned the equipment thereby rendering the use of the service useless. 
XXXX CONTINUES TO BILL ME AND THE SERVICE WAS NOT WORKING SINCE i HAD RETURNED THE EQUIPMENT. I contacted them but could not resolve the problem since the wanted payment even thought the service was inoperable.. 
I was contacted by a credit agency and they advised me that I OWED THE MONEY AND DID NOT RETURN THE EQUIPMENT EVEN THOUGHI had a receipt indicating that I HAD RETURNED THE EQUIPMENT. i also learned that XXXX HAD INCREASE THE monthly fee to about {$90.00} PER MONTH WITHOUT TELLING ME. 
Then AFNI BECOMES NEW COLLECTION AGENT AND CALLS AND HARASSES ME AT LEAST TWICE A DAY. 
I requested a monthly bill from when the service started which I have not receivede The woman I SPOKE TO WAS DIFFICULT TO UNDERSTAND. 

i SOLD THE PROPERTY FROM NEW YORK BECAUSE i was diagnosed with XXXX i WAS NOT IN FLORIDA LAST IN XX/XX/XXXX. 
Once before I had a problem with XXXX when they billed me for a phone that I retuned for over 3 months. 

I hope that AFNI SUES ME XXXX SINCE THEY HAVE EFFECTED MY OVER XXXX CREDIT SCORE. 
I will be looking for compensatory damages and substantial punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Capital One Quicksilver credit card, and I did not receive the promotional terms. The promotional terms were supposed to be 0 % APR for 15 months and a {$200.00} sign-up bonus. I received neither of these items when I signed up for the card. I tried to resolve this through the company, and they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXX Reported Account # XXXX, has violated my rights XXXX XXXXXXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX {$1200.00} Debt Opened XX/XX/2022 I have disputed this account on multiple occasions due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX of 2022, was denied credit by Citibank when I applied for a Citi Premier credit card. 

I have proof that I was discriminated against by Citibank due to the response I received about my credit worthiness dated XX/XX/2022, and XX/XX/2022. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1692k.

Citibank is in violation of 15 U.S.C. 1641, 15 U.S.C. 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got the offer from US Bank to apply for their US Bank XXXX XXXX XXXX card. But when i applied for it, the application was rejected even when i am have a credit score of XXXX. 
Why US Bank is sending the offers to customer if the customers will be rejected for those credit card offers.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: NJ
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:
15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. XXXX XXXX reporting late payments with XXXX XXXX and XXXX on my report. with the months of this year.

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 2022-12-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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