BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received multiple inquiries without my consent. I have so many inquires on my report and its kind of frustrating. I never authorized them.

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 2022-07-28
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my NUMEROUS request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Owed : {$0.00}

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 2022-06-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
They have been charge my account since XX/XX/2022 for overdrawn fee and now the charge me more than {$1000.00} overdrawn fee only very soon they will close my account. Im really concerned if its normal for a bank to charge more than {$1000.00} for fee only.

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 2023-11-08
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received multiple inquiries without my consent. I have so many inquires on my report and its kind of frustrating. I never authorized them.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.

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 2022-06-26
Company: Americor Funding, LLC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I started using Americor for my consolidation of my debt in XXXX of XXXX. 

I have been making my payments consistently and on time and have never been late or missed a payment of {$300.00} a month. 

I have been sending all notices and have been in communication with them consistently and promptly as requested. 

At the beginning of XX/XX/XXXX I was served a lawsuit from XXXX Bank being represented by XXXX XXXX XXXX. The plaintiff is listed as XXXX XXXX XXXX XXXX. The Case No. is XXXX. The paperwork is dated XX/XX/XXXX. I was served the paperwork, I believe on XX/XX/XXXX. 

I notified Americor of this issue who informed me that they are not lawyers and do not staff any. However, I should sent the required reply and notify them that Americor is handling my debt and will be handling my case. 

I sent in the letter to the court and on XX/XX/XXXX. I recieved a letter from the court indicating they could not accept my response unless i paid a {$130.00} filing fee. Since i have recieved this response so late, I believe another response or paying the filing fee by this Monday will be too late and the courts will determine I have defaulted for not providing a response within the deadline since they did not accept my initial response. 

Americor has been taking my money and has not been paying my creditors. This has resulted in legal action against me and Americor does not appear to be capable of handling or resolving the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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 these creditors XXXX : XXXX XXXX XXXX : Capital one 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
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: Old information reappears or never goes away

Complaint:
I am submit this complaint to bring to your attention a persistent issue concerning fraudulent items on my credit reports, despite my ongoing efforts to rectify the situation. Within the next 15 days, I am scheduled to update my credit reports, and this communication serves as a follow-up in anticipation of that update. Regrettably, my attempts to remove these fraudulent items in recent months have been met with resistance from the Credit Bureaus, as they persist in reporting inaccuracies. Under Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Bureaus are legally obligated to remove items determined to be a result of identity theft. The dispute items in question do not belong to me, and I have attached the required FTC Report with reference # XXXX for your reference. Specifically, I am formally requesting the removal of the following specified inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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 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

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 2022-06-26
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
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:
Filed a complaint with XXXX Credit Report Bureau. Because the Texas Higher Education Board reported 4 loans on my credit as being late more than 30-days. The thing is that I had all my loans deferred while still in school and Active Duty. I first reported to them and they agreed that it didn't make sense but never did delete it or report the change. So we informed XXXX. We feel that XXXX did not investigate properly and do their dudiligence of deleting this misinformation. If they would have done the research, they would have seen that all the loans were grouped together and there is about 6-7. S0 4 of them reporting late does not make any sense. If they are grouped together in my payments, they would have all been late together. There has never been any payments on these accounts because they have always been deferred. The information is incorrect reporting and I need it to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 I deposited a cashiers check for {$29000.00} which had been sent to me to purchase XXXX. The bank froze the account. XXXX XXXX XXXX contacted XXXX in the fraud department and he decided it was part of a large scam involving stolen money. This is not true. The money was not stolen and there is no fraud. XXXX told me he would find the rightful owner and I wasn't to bother him. I had been calling him regularly. He threatened to involve the XXXX XXXX if I bothered him again. He offered no explanation for his decision on this. He became quite rude. That money has been held for no good reason.

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 2022-09-20
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: Public record information inaccurate

Complaint:
My Equifax report documents enclosed shows open with a balance and should show as closed included in XXXX  XXXX bankruptcy and the balance paid in full. Also on XXXX my account should show closed, not derogatory, as all my other account show that were included in XXXX  XXXX case ... Case : XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XX/XX/2022. XXXX in remarks shows XXXX  XXXX but doesn't show closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: JPMORGAN CHASE & CO.
State: NM
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:
It has been a couple of years since I worked with a debit repair program. Ever since I have only had a XXXX card with a low credit limit which I did not include in my Debt repair. During this time I have used this card and paid off my balances each month. 

In XXXX I was looking to book 2 tickets to XXXX. Every time I looked at Southwest Airlines, there was an offer from Chase. The promotion was earn XXXX miles and a companion pass after 3 months. I resisted the urge to apply even though I had been wanting a card that earned miles to make travel affordable for my family. I continued to look for flights, every time seeing this same promotional offer. I was even emailed the same offer. When I finally booked my tickets, I decided to apply for the offer. I had some big purchases I needed to make, ( and the money to pay for them ) and I knew I could make the 3 month spending requirement for the offer. While I was applying, I returned to the original page 2-3 times to make sure I clicked in the right place and was applying for that specific promotion. Every time I clicked on Apply in the promotion banner, the information I had already entered was still there, so I submitted my application. I was approved with a high interest rate and {$3600.00} credit limit. I felt confident I could pay my balances each month and could avoid the interest. 

About month into having the card, I emailed Customer Service to ask them if I paid my balance before the billing cycle ended, would the balance still count toward the offer of XXXX miles and a companion pass. The customer service rep responded and informed me the promotional offer I mentioned was not the promotion I was given. Instead I was given a {$200.00} credit and XXXX miles after the first month. I would not have applied for a card with that promotion, and I never saw a promotion with a {$200.00} statement credit and XXXX miles. The rep apologized for the confusion and asked that I send them an offer code or an email with my name on it that shows the promotion I believed I had applied for in order for them to match it. I sent pictures of the promotional offer in my email with my name on it. The next response, was that promotion had expired and there is nothing they can do. I emailed again and said it was not expired when I applied for my card, and I would not have applied if I didn't think I was earning XXXX points and a companion pass. I asked them to show me in the Credit Card Terms and agreement where it says the applicant is not guaranteed the promotion they apply for and promotions are subject to change even in the middle of the application process.

So now I have a new high interest credit card that I don't even want anymore because of their bate and switch tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Everest Receivable Services Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
orginal account XXXX XXXX XXXXXXXX XXXX XXXX XXXX contacted me around XX/XX/XXXX told them that was not me. XX/XX/XXXX and XXXX XXXX text messages XXXX XXXX and XX/XX/XXXX messages as well. now everest receivable services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is contacting me by letter on behalf of XXXX XXXX as of XX/XX/XXXX there were more but this is information I kept track of

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 2022-09-20
Company: HW Holding, 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: Credit inquiries on your report that you don't recognize

Complaint:
I would like to know why i am being charge for something i was not approved for never moved into the apartment was denied and im not responsible for any other the amount that was place on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Personal information incorrect

Complaint:
My full legal name is XXXX XXXX XXXX. XXXX, Experian and XXXX incorrectly list my name as XXXX XXXX XXXX. Please help me to correct and restore the accurate spelling of my name on my credit reports generated by XXXX, Experian and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a target XXXX XXXX  in XX/XX/2021. The card had a balance of XXXX which I paid using my checking account at XXXX. The payment got returned and target stated that the account information was incorrect. I worked for XXXX for over 9 years and know for a fact that the information was correct. After confirming that I had the correct information I used the online pay tool again. That second payment came back and target closed my card. I became upset and paid XXXX the balance on XXXX XXXXAfter letting target know i will not be paying the late fee or interest due to the issue being on their processing side they continue to harass me and add late fees/interests to my closed account. They are reporting me delinquent and that is affecting my XXXX XXXX. I have filed a XXXX  complaint with out resolve of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-06
Company: EQUIFAX, INC.
State: IN
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:
Ive sent several letters advising them to remove an inquiry off my credit report from XXXX XXXX  XXXX XXXX  as I did not authorize XXXX XXXX to run my credit report. XXXX XXXX has sent equifax several notices advising them to remove the hard inquiry from them off my credit file. Nothing has been done. Ive mailed a letter from XXXX XXXX to equifax advising them to go ahead and remove the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: PA
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:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Google Compare Credit Cards Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX Google XXXX  card That wouldn't show the whole code I've been trying to get hold of Google XXXX  for over 2 weeks and have no response to a refund

Company response to consumer: Closed with explanation