BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: M&T BANK CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Pertaining to the invasive typo you sent me. 

" Agency was instructed that accounts were low in their account for XXXX Statement and that you would close accounts if a deposit was not immediate '' Which is because of XXXX XXXX that I became victim of, Then they sent out a abusive letter threatening to close my account, I am a human trafficking victims and investigators are assigned to this case to correct the problem, you did not experience any inconvenience on this case and as instructed before, were told not to allow overcharges on my account if it were ever even the fashioning last point imperial that funds would be so low, I have been ever so courtese to your company and your behavior is not of someone or something that cares about the integrity of animals or humanes who are under crisis rescuing on their volunteer hours. 

Please stop Harassing Me. 

I formally took care of Several Agencies Life Insurance Accounts including XXXX XXXX, XXXX XXXX, FBI, CFPB, FTC, Police Unions, Fire Unions and XXXX XXXX and have not been paid the 10 Year Salary They Owe me on top of the Mandated Reporter Fines owed by compensation against XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX + XXXX XXXX Wrongdoing from XXXX XXXX Outlandish Behavior. 

XXXX The account has been replenished of the funding and do not contact through mail under Confidentiality Requests, as it is Inappropriate and I have had problems with people opening my mail as of lately.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: TX
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-12
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 






XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Incorrect address : XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I cancelled my XXXX membership in XXXX because I never really found it useful and the yearly fee of {$56.00} I was charged by Comenity was credited back to me. Unfortunately it was credited to another of my credit cards, not to Comenity. So when this was realized, I made the payment to Comenity along with late fees etc. i wrote the check for {$120.00} on XX/XX/XXXX and mailed it the same day. It was not due until XXXX. I also closed my credit card with them. They say they didnt receive the payment until XX/XX/XXXX. Since then I have received 2 more bills and am now up to a balance of {$82.00}. They say they can do nothing about it because I closed my account with them. I have never used their credit card and it is turning into quite an expense for someone elderly and on a fixed income. 
My account information : acct number ending in XXXX. 

Per Comenity : As you requested, we have closed your credit card account. A monthly billing statement will be sent to you until the balance is paid in full. You do not have any available credit due to your account being closed. 
I do not owe them late fees. This is an injustice to me.I would like it cleared up and a statement sent to me with a XXXX balance due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: CADENCE BANK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Cadence bank has illegally charged me overdraft fees after I requested several times for them not to allow my account to be overdrafted. However recently this month they reversed a dispute which I submitted along with photographic evidence. Well their claims support contacted me and said that when I emailed them photographic proof of the {$72.00} which I had to file a dispute against Zip after I was told I had a few weeks by zip to make a payment arrangement and then overdrafted after zip unethicaly and unauthorized the very next day. To add insult to injury the case i was originally awarded by Bankcorp South for back in XXXX was overturned and dishonestly reversed when Bankcorp south merged with Cadence. They said their support team never included the screenshots as proof of this, which is highly dishonest and beyond unethical. If I had the money right now I'd take them to court in small claims and sue them for the maximum allotted amount because that's stealing and beyond dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
As federally protected consumer, there have been several Fair Credit Reporting Act Violations that Have occurred on my account including 15 USC 1666b. I have tried to settle the matter of the late payments that were improperly reported to my account with XXXX, Transunion, XXXX and XXXX XXXX, however, My disputes were not thoroughly given the proper investigation to verify and correct the incorrect information that has been reported to my consumer credit report. This has caused harm.

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 2023-06-15
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: ME
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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : 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 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 2023-09-08
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. 


I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : 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 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 2023-09-08
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bull city financial debt collectors put a collection of {$1200.00} on my XXXX credit report. This debt was originally put on XXXX and was almost immediately removed from XXXX after I disputed it but remains on XXXX. I lived in florida and then later on moved out-of-state. When I was getting ready to move. I called the original creditor which was XXXX XXXX and asked them to terminate service At the service address because I was moving. They set up a date. I paid my remaining balance. 
And When I moved I left a fowarding address. After this item was disputed and Removed from XXXX I noticed it was immediately put on to XXXX I called bull city financial. They were Extremely rude to me. I tried to explain to them that I had service disconnected and my final bill was in fact paid and that I did not owe this money. And could they please send something to me? Such as a verification letter, a summary of charges, something showing how this Amount came to be. They did send a validation out 30 days later. But that is absolutely not what I requested. And it didn't have any of the information on it That I ask them to provide. I also contacted XXXX 
By phone as well as disputing this on the app several times with no success. I then proceed to call XXXX XXXX. The original creditor they transferred me to 4 different departments. And no one could help me. They stated that after 2 years, their systems were wiped clean. And they had no information on this account that could help me. So again, I reach out to bull city financial. 
Several times with no success. Then I started emailing the help desk over At bull city financial several times they only responded once. Via email and stated that they sent me a validation letter. I then responded back to them by saying that that is not what I'm requesting and ask them if they could Please send me proof of these charges. 
I haven't heard anything back so I sent another email asking the same thing. Several days has went by and still nothing. So now I feel that I'm being ignored. 
The resolution that I'm seeking is if bull city, financial or XXXX XXXX can not provide the information that I'm requesting. And prove these charges to me that they say I owe As well as proved to me That service was in fact disconnected on the date that was set up when I made the original phone call. I know for a fact, my balance was paid and full before I left The state of Florida. I would like to see it removed from my XXXX  Credit report and be prohibited from being put on my XXXX credit report and for that matter. Any of the three credit Reporting bureaus. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: United Check Recovery Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since spring 2023, I have received about two calls per day from United Check Recovery Bureau from various numbers. They will leave voicemails, but when I answer they either wont give information or will have dead air on the other line. They have started contacting my family members as well, which is illegal to my knowledge. The number they are using is not a recognized company number. My mom and I have both blocked the number, so now UCRB is threatening me via email to have the debt pulled back and legal action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Ability Recovery Services, LLC
State: DE
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2023 I contacted XXXX XXXX due to a collection item that appeared on my credit. XXXX XXXX representative transferred me to financial department. I spoke with representative resolve issue by paying balance. XXXX XXXX told it will take a couple of days but I will receive the letter by email. four days later, I did receive the letter confirming they received my payment, and it was resolved and paid in full. Three weeks later, I reviewed my credit report. The item is still appearing unpaid and credit score decreased XXXX more points. After reviewing it, I had submitted a dispute when it was completed the credit bureaus reported back Account information disputed by consumer, meets FCRA requirements. I contacted them again and told them that it continues to be reported incorrectly to my credit. They told me they have already contacted the collection agency but they told me it should not have an ever been sent to a collection agency. And my score keeps decreasing because of this and they refuse to correct the error.

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 2023-06-15
Company: EQUIFAX, INC.
State: LA
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 Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX  XXXX XXXX Balance Owed : {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
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:
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 XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX I # 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 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 2023-04-13
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:
I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time the credit reporting agency refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. The credit reporting agency has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet the credit bureau refuses to comply to the law. Account : XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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