BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NJ
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 noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to dispute a medical collection. I never gave permission to XXXX XXXX XXXX to share my information to a third party. This is a violation of the hipaa law. I need them to delete the collection from credit report asap

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: Sunlight Financial LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I'm a former XXXX XXXX customer, now that they are closed and filing for bankruptcy. I contacted Sunlight Financial because they facilitated our solar loan through XXXX XXXX for XXXX XXXX. I described my issues, such as install problems, property damaged and stolen property, items not installed that were in my contract and my system install not what was purchased in my contract, rebate check never received, XXXX XXXX for a reimbursement that i never received and the list goes on. Sunlight is giving me the run around as well as XXXX XXXX, they do not want to take responsibility for their part in this scam and even go as far to tell me that the items i listed weren't in my contract. 

I have documented everything, emails, text, calls and complaints. I have been fighting back and forth for XXXX even before XXXX went belly up. I have literally had to babysit the entire project from beginning to end just to get it operational, argue along the way about my list of complaints only to get nowhere. 

Last XXXX  I sent Sunlight and XXXX XXXX the XXXX XXXX 's letter that requested the loan companies to suspend the loan payments to customers due to the court filing and the current investigation by XXXX other XXXX XXXX 's. I have not heard a word back and I doubt that I will, I have sat on calls for XXXX waiting for a representative to answer, transfer me over and over or just hang up on me. 

I feel that I can in fact prove breech of contract with the documents and information that I have on the part of not only XXXX XXXX but Sunlight Financial XXXX XXXX XXXXXXXX. The XXXX attachments, # XXXX is the first page of my contract with XXXX XXXX and Sunlight Financial, the system size is XXXX, the # XXXX is the application from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on my property. 

Last attachment is from another company that I had receive and estimate for solar prior to speaking to XXXX XXXX. Their system is XXXX less but XXXX system, XXXX XXXX with Sunlight Financial and XXXX XXXX are ripin people off. 

I'm willing to provide any and all the information that i have if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
A XXXX XXXX stole a check from me and cashed it for {$900.00}, citizens bank denied my claim saying that my signature matched others I wrote but XXXX XXXX had access to pertinent information including my signiture.who in their right mind would let me give a check knowing I would call the police and file a report and now there is an arrest warrant out for him.it doesnt make sense.he also stole my identity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03
Company: Carvana Group, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The first week of XXXX, XXXX  I did a pre qualification application through Carvana to finance a vehicle which stated that a pre qualification is not a hard pull to my credit. However, a car dealership In Illinois obtained my information and did a hard pull on my credit. The company that illegally ran my credit name is XXXX XXXX in XXXX Illinois. I did not authorize or give permission to Carvana and or XXXX XXXX to run a credit check on me. Please remove this hard inquiry from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: BB&T CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi I opened a BUSINESS VALUE XXXX account on XX/XX/2018. The account was opened with promo code XXXX which is for {$300.00}. I am having difficulty with online customer service in confirming that the account is coded correctly and as to when the bonus will post.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXXr XXXX Bankruptcy Liability : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-11
Company: EQUIFAX, INC.
State: NV
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, 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 2023-02-14
Company: Experian Information Solutions Inc.
State: KY
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 simply can't access XXXX or Experian. I was able to get one from XXXX last year but not now. I don't know if a previous address wasn't reported to them but I get knocked out of the online and phone applications when I answer to the best of my ability. Actually I was told today by a bank lender she couldn't verify with XXXX so she called me and said my maiden name was listed instead of my married name. ( I have a SSAN card with official married name since XX/XX/2015!!!! ) So why waste my time mailing an application when who knows if my information will match theirs. This is impossible! Except for the lenders who buy from them I see. They can get the information right away. I am a XXXX XXXX XXXX veteran with XXXX trying to get a VA Mortgage and they ask me arcane questions I don't remember ( some phone number from years ago, etc. ). This is making me feel hopeless. Just get me the reports, please!!!

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 2023-06-08
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
PNC Bank is falsely advertising they give loans to those with bad credit scores on XXXX XXXX in order to gain applications but then deny you after dinging your credit again! I work for the XXXX XXXX XXXX XXXX and fell behind on my car note with XXXX XXXX XXXX a few months ago only a few months before it was paid off while off work on unpaid XXXX XXXX and am only trying to refinance the balance left due on that loan {$5800.00}. I have nothing on my report but my paid on time student loans, make {$55000.00} yr and always paid my bills perfectly until this happened. I applied online specifically because XXXX XXXX and PNC stated they help those to refinance with bad credit as my score fell to XXXX after I fell behind. I was denied and so I called and spoke with XXXX who not only acted as if I was a complete bother and tried to rush me off the phone, refused to listen and kept talking over me but did not even provide her name, I had to ask for it at the end of the conversation! I then asked to talk to her manager and she refused to allow me to, claiming they were busy!! She needs to be fired she has 0 customer service skills, is rude and does not do her job!! I then tried to call the corporate office and saw they have almost one star ratings online for good reason!! Their phone numbers listed also did not work!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
the merchant gave me a preferred rate through my education institution of {$99.00} per night and the merchant falsely told me that they will adjust the rate but took my credit card and charged me double the rate so I am disputing {$680.00} charge from Chase credit card. the merchant duped me and Chase told me that since it wasn't a billing error they wouldn't refund me. but this is a clear violation from merchant where they misrepresented and falsely defrauded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept EDUCATION XXXX US dept EDUCATION XXXX us DEPT EDUCATION XXXX  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. 15U.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 2022-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX DEPARTMENT OF EDUCATION ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAMEXXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law XXXX which suspended the GOLD Standard and exempted US citizens from paying XXXX, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give TRANUNION, XXXX, and XXXX, written consent to furnish this information, that would indeed be identity theft. As of the student loans, XXXX5 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.

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