BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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:
When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy XXXX U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I made a purchase for a XXXX XXXX. I thought I was only going to be billed {$99.00}. Since this was and out of the country purchase the total came out to be {$120.00}. I thought with the conversion rate it would be {$100.00}. So I filed a dispute for the difference of {$20.00} with my bank Current. About a week later I noticed my membership was cancelled through the merchant. I talked with a current employee through their chat feature since the no longer have phone representatives. They chat employee told me they would close the dispute and I could file a new once since I no longer have access to what I paid for for filing a dispute for being over charged.Now today XX/XX/2022 current emails me and lets me know they have closed the dispute and I would not be getting a refund after I give them proof that their employee said in writing that I may file a new dispute since the merchant revoked my access to a {$120.00} course. They have stopped responding to my emails and refuse to acknowledge their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy XXXX U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail today, XXXX XXXX, dated for XXXX XXXX stating that my checking, savings, and credit card with USAA will be closed because they are exercising their right to no longer do business per the depository agreement. I called and was told its because of negative news about me which Im not sure what this means or how that affects my ability to have a bank account with them. Im assuming its because of my criminal background, which has no convictions. Im looking for a thorough explanation on why my accounts are being closed and if this is a violation.

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: PA
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 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX XXXX : {$8000.00}

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 explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: PA
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 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX XXXX : {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: CA
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 have disputed items with all three credit reporting agencies and the investigation took well over 30 days I was never notified of results or status of my dispute.

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 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX a wire transfer was initiated between XXXX XXXX  XXXX XXXX to my trust account at Bank of America. This was the proceeds of a real estate transaction totaling {$610000.00} As of XXXX this money has not been deposited into my account. 

On XXXX I was able to contact B of A 's wire transfer department. I was told this money was on a compliance hold and B of A was waiting for a response from XXXX XXXX  to a series of questions. 

XXXX XXXX  says that B of A has not been in contact with them at all. 

I have attempted to contact B of A 's wire transfer department three other times ( and I am still attempting to do so ). 

As of today the only information I have been able to obtain is the funds are on a compliance hold. No information as to why or for how long has been provided.

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 monetary relief
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the last two and half years Regions has continuously charged us overdraft fees even when we signed up for it to transfer money from Savings when an overdraft occurred. We discussed this problem time and time again with no resolution. We have slowly started moving funds to another bank. However, the little we still do have in regions continues to to have or charge us with hundreds of dollars in overdraft fees ( when they easily could withdraw from our savings to cover the amount ).

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 2022-08-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian did not properly investigate this account. They are breaking the law by ignoring me. 

In accordance with the Fair Credit Reporting Act, the below account, 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 an account without my written instructions. I have never had a collection issue with XXXX and they admitted it. Account in Violation of the Act and Law : XXXX XXXX ( ACCOUNT NUMBER : XXXX ) This account must be DELETED.

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 2022-08-02
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 belongs to someone else

Complaint:
More than a month has already passed by and the Equifax Credit Bureau have yet to respod to my letters. The last letter I sent to the Equifax was dated XX/XX/XXXX with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. Since then, I never received anything in return from Equifax. On my letter, I requested that the Equifax provide me proofs of validation or documents bearing my Signature to prove the their claims that the disputed items belong to me and yet they have sent me nothing! I have read that the Credit Bureaus are requried to remove any accounts and informatio resulting from the theft of a consumer 's Identity under the Provisions of the FCRA section 605b. I have read enough to understand my rights and it is clear the Equifax 's wiillful non-compliance of the FCRA statute is a violation of my rights. If the Credit Bureaus can not prove the items ' authenticity, I need the Credit Bureaus to remove the items from 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 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 2022-08-02
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX bankruptcy discharged U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : 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 2022-10-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Closed my complaint within 1 day without investigating anything I started a car deal for my wife. She filled out the credit application and signed it. 
I did not- I did not want my credit pulled as i was not going on the loan I only went the dealership first and looked at the cars. I DID NOT SIGN A CREDIT APPLICATION, THERE IS NO WAY THIS IS LEGIT PULLS AGAINST ME. My wife signed the credit app and it was not a joint app. 

They never took my SSN, address, anything. I did not fill out the credit app. 

They pulled my credit and shotgunned it multiple locations and banks. I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: AR
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 was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXXXXXX XXXX sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX XXXX and XXXX, then in XXXXXXXX XXXX  I sent certified to credit bureaus and to XXXXXXXX XXXX XXXX requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, ....

Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.

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 2022-09-29
Company: M&T BANK CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b 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 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 2022-08-23
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company I C Systems has reported derogatory information to the credit bureaus. I requested I C Systems to validate the account or remove the item from my credit report and they refused. I spoke to XXXX XXXX XXXX XXXX XXXX ) who refused to provide validation of the debt or prove that the debt belongs to me. This discussion took place on XX/XX/2023

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 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Theses companies are running my credit and I want them to stop

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