BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: OK
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against The money source regarding their poor quality of service. I have had several issues with this company, including a late payment that was their fault and their failure to provide me with adequate customer service. 

I reached out to a supervisor regarding the late payment, and they were supposed to call me back to discuss a resolution. However, I never received a call back, and when I followed up with the company, they were rude and unhelpful. 

Furthermore, I have had additional issues with this company, including a lack of communication and failure to provide me with the courtesy of fixing their mistakes. I have tried to contact them to address these issues, but they do not call me back or provide me with any assistance they put a late payment on my credit report for XX/XX/2022 I tried to explain what happened to the agent that was supposed to help me but all he did was try to confuse me I explained they had me cancel the payment on the app and pay it over the phone I have been doing business with the money source for almost 2 years I have never been late always pay on time this is effecting my credit report the last agent I spoke with was XXXX XXXX, I am extremely disappointed with the level of service provided by The money source, and I believe they are not meeting the standards of customer service that are expected. I hope that the Consumer Financial Protection Bureau will take action to ensure that this company improves its service and treats its customers with respect. 
My account # XXXX Thank you for your attention to this matter. 

Sincerely, 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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.

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 2023-03-01
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: Investigation took more than 30 days

Complaint:
This information on my credit report is causing undue financial harm to me and my family in an global pandemic I have disputed multiple times and still no response. Please investigate an Remove these items from my credit report as it is inaccurate and false 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 explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account with Bank of America, was using it and then XXXX day I couldnt log into my account anymore. They took my XXXX $ from me and said that my account was closed but wouldnt give me a reason or resolution to fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: IL
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 to consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : AXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It 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 : 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2022-10-19
Company: Experian Information Solutions 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 have a XXXX a punt thats on my XXXX and experian credit report this account is fraud and it needs to be deleted and blocked, im suing XXXXXXXX for a data breach and leaking my information on the dark web, because of this data breach this has caused a lot of issues with identity theft, i did file a ftc identity theft report about this account please take this account of my credit reports its fraud and someone is using my name

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 2023-07-22
Company: EQUIFAX, 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:
I filed a dispute on Equifax about XXXX XXXX which is a loan for a car it wasnt showing the correct amount and they just deleted it from my credit which made my credit score drop. It needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing this letter to file a formal complaint regarding on misleading information on my credit file. One mistake that is really noticeable is the CAPITAL ONE that was opened on XXXX XXXX and has a balance of {$920.00}. I did not open or apply for a credit card. THIS IS NOT BELONG TO ME, this should not be reported on my credit report. I believe that there is a fraudulent activity happen to my credit file. I'm done reaching the three national credit bureaus XXXX, XXXX and XXXX and also, I already filed an FTC affidavit. I am a victim of identity theft. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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:
XXXX XXXX ACCOUNT BALANCE IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT. I NEVER DONE ANY BUSINESS WITH THIS COMPANY AND ITS FRAUD TO REPORT INACCURATE INFORMATION TO MY CREDIT REPORT. INVESTIGATE AND VERIFY THIS ACCOUNT OWNERSHIP OR DELETE FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-03-09
Company: Prosper Marketplace, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While logged in to review my Prosper Card and loan statements and pay my bill, I was suddenly kicked off of the site. I contacted the customer service department and was told that I requested a cease and desist. I did not do this and explained this. I have received two emails stating that the issue is closed but I still can not log on and see my statements. The customer service representative is trying to tell me that I do not need to see the statements and that they will tell me of any activity and amounts due. I have advised that this is unacceptable.

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 2023-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like the file a complaint on XXXX XXXX XXXX  because I didnt authorize this credit card on my account and they already used {$580.00} dollars.

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 2022-12-10
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}

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 non-monetary relief
Consumer complaint received 2023-07-23
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:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
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:
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX TXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
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: Investigation took more than 30 days

Complaint:
I am reporting that Equifax wrote me a letter stating they need more information on my ID to complete my request. I requested all debt collection institutions on my credit report connected to the creditor on my credit report and if there was no debt collector institution attached to the creditors I would like to know about it and what is being done for these predators or non-users under the Fair debt collection practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The bank gave me the wrong email to send proof of payment by another method when I disputed a charge by XXXX  that made a charge to my debit card that I did not authorize. I requested the bank expedite the reversing of a debit because they said they did not receive proof. The bank refused to expedite the reversal which caused my account to be overdrawn and will cause a financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter today from my mortgage company stating that I was not eligible for any of their modification programs due to what I owe from default. These people were also constantly saying that I was missing paperwork for my modification application. I would like some help in finding out why I was not eligible out of all of the programs available and why they want my property so badly. I can pay some money to reduce the cost of what I owe and maybe get into a modification program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation