BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus dated XX/XX/2023, to update some suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX  XXXX Balance : - XXXXI XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX RE : Validation Required over XXXX years old XXXX  XXXX, XXXX To Whom It May Concern, EXPERIAN, XXXX, XXXX Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over XXXX years old : XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over XXXX years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over XXXX years old. 


Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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 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 2022-12-19
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: Reporting company used your report improperly

Complaint:
XXXX has shared my information without written consent

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 2022-10-04
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXXXXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting TRANSUNION to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. TRANSUNION has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number : XXXX. XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. TRANSUNION is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.

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 2023-04-18
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020, I deployed to XXXX XXXX. I submitted a copy of my lease with the landlord XXXX  months prior to my PCS date. She agreed that my lease would not be considered broken due to that reason, and I had no past due balance when I turned in my keys to her. I received found out about a collection account with XXXX XXXX XXXX for the amount of {$5200.00} for past due rent and an eviction. I contacted the company on XXXX XXXX requesting proof of this debt as well as any contract that I have signed. I havent not heard from them. Every month, the amount increases and they still have not sent attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my account for {$2500.00} that was given to me by mother. After the check was written out to her. She is not on my account, so she endorsed the check over to me to deposit the check into my Huntington account. This was money given from my grandfather 's business to my mother to help bury my sister. We signed all the paperwork to prove it wasn't fraud and the money is still being held by the bank and no one will tell us why. The paperwork was even notarized by the notary at the bank XXXX XXXX. Huntington has also closed out my bank account because of fraud after the check was approved and stayed in the bank for XXXX weeks and then taking out of the account without any notice, warning or phone call. They say with no proof of fraud because my grandfather has gone to the bank as well to sign paperwork and now the bank is stating that no paperwork was even signed. I was called by XXXX at the Huntington National Bank at XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on XX/XX/2022, to come into the bank to reopen my account. When I got there with my mother, XXXX wouldn't even speak with us and then I was given the run around. The other lady that I did speak to informed me that my accounts would be closed and that they couldn't help me. Here is XX/XX/2022, and I still can't get a clear answer to where the money is or why they will send the monies back to my grandfather 's account. I called to speak to the branch manager there, she stated to me that couldn't help me with my situation because XXXX is the XXXX, I needed to speak to. She wouldn't even help me. At this time, I really feel discriminated against because I am XXXX because I havent given these people any reason to ever question my transaction. I have done everything they asked me to do to prove it wasnt fraud. And no one is even giving me an answer to any of my questions. I would really like Huntington National Bank to give me and my mother the monies that were provided to us for our loved XXXX funeral.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I had a battle with XXXX a few months ago and missed a payment beyond 30 days. This was since credit reported. I sent a written request explaining the hardship as a result of falling ill to XXXX  and landing in the hospital for a few weeks causing my payment to be missed. I have and have great payment history otherwise. The request was denied and negative credit reporting continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Bank of America called me and told me I was behind on a credit card that I have never applied for. ( {$7500.00} ). Someone in XXXX got my information and got a credit card. XXXX from BOA informed me of that. They told me I had to pay the over due payment. I told them I will not because I live in XXXX XXXX. I will not pay for something I havent got. I did call the police here in XXXX and filed a report. They said they would send me information but Im assuming they sent it to XXXX, because I havent received anything as of yet. This started on XX/XX/XXXX and nothing has been resolved

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 2023-05-23
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have made multiple transfers from XXXX to my US Bank checking account using both 1-3 day delivery and instant transfer with no issues. However, I made an instant transfer of the balance of my XXXX to US Bank on XX/XX/2023. The transfer was initiated at XXXX XXXX  and showed as completed at XXXX XXXX. The funds were never credited to my US Bank account. I filed a Reg E dispute claim for the missing deposit and received a denial letter on the 10th business day by mail. I had already contacted XXXX and was provided a tracing number for the bank-to-bank Real-Time Payment network transfer of {$290.00} XXXX XXXX ) as this is not considered an ACH transfer. US Bank has done nothing to attempt to locate where the funds went or credit my account. This information was provided to them when I filed my dispute for the missing deposit. The OCC states the issue does not fall under its jurisdiction and referred me to the CFPB. It is frustrating that is has been 2 months and the bank nor the regulator want to performance their due diligence in resolving the issue. The funds did not just disappear.

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 2023-08-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
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, 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 an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter from XXXX on XX/XX/XXXX, stating that Equifax was supposed to remove all information related to the bankruptcy and public records because it could not be verified. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ at XXXX I attempted to deposit {$450.00} cash into my checking account. The ATM XXXX for Citizens Bank at XXXX XXXX XXXX XXXX NY XXXX ate my deposit cash deposit. 

The bank refused to reimburse or debit my account these funds deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Possible Financial Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a loan with possible finance paid it off on time however XXXX  and possible finance they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me XXXX XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against possible finance for failing to protect my consumer rights Also XXXX have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also inquiries that I did not authorize XXXX have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my disability check # XXXX the amount of {$3200.00} due to getting injured at work. This is a business check which is drafted from XXXX XXXX Bank. I also have direct deposit from my employer every 2 weeks, with the next XXXX being XX/XX/XXXX. I made a mobile deposit into my Chase Bank checking account on XX/XX/XXXX. After reviewing my account on XX/XX/XXXX, Chase shows my funds would be available on XX/XX/XXXX. I have bills I need to pay, this is not a personal check. Why is it that Chase Bank is taking 2 weeks to clear a business check?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: MO
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX  Balance : {$1400.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2023-04-13
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: Personal information incorrect

Complaint:
I have requested my name and addresses to be fix over 4 times with the credit bureau Equifax and XXXX. I have disputed by mail and Ive disputed by mail in writing I have one Name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX Fl XXXX They have not removed all other names listed on my report And have not remove addresses I dont live at On Equifax XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX On XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl These address my Son resides at not me. 
They have names that I dont use in my credit report as well. This is a problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
HSBC was holding my money and would not give it back. I filied a complaint with you. XXXX HSBC responded quickly, they closed the case, but now they have collection agency calling me constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Bread Financial Holdings, Inc.
State: UT
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:
XXXX & COMENITY BANK CONTINUE TO REPORT INCORRECT INFORMATION ON THIS ACCOUNT. IT'S BEEN WRONG GOING ON LONGER THAN A YEAR! COMENITY LIES TO THE CFPB BY STATING THE COMPLAINT IS " A DUPLICATE '' WHICH IT'S NOT. XXXX LIES TO THE CFPB STATING THAT THEY CHECKED WITH COMENITY WHEN I KNOW THEY DID NOT!!! IT'S NOT A GOOD LOOK FOR EITHER OF THEM AND THEY'RE BOTH IN VIOLATION OF THE ATTACHED FCRA LAW! XXXX DO NOT ATTEMPT TO SEND ME THAT STUPID LETTER YOU LIKE TO SEND DEMANDING ID FROM ME. I ID 'D MYSELF HERE PER THE CFPB 'S REQUIREMENTS. YOU HAD BETTER ACCEPT IT OR I WILL FILE A COMPLETELY SEPARATE DISPUTE TO MAKE THE CFPB AWARE OF WHAT YOU ARE DOING WHICH IS BASICALLY NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Tried to resolve debt but no solution.

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 2023-04-19
Company: HMSV Financial Services, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The company used negative credit information against me, and did not tell me about it nor allowed me to dispute the negative information. It has now been removed from my credit report. The closing was XX/XX/2023. I contacted the company and they told me about the negative information after the fact.

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