BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: CT
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 sent a letter for you to notify to remove some inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and need to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is in regards a hard inquiry currently listed on my credit report and file. The hard inquiry from XXXX XXXX on XX/XX/23 is fraudulent and was not inquired by me. This inquiry is a result of identity theft, and needs to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check in the amount of {$29000.00} from my insurance company and attempted to deposit that check in a Citizen 's branch on XX/XX/XXXX. 

I received a confusing letter in the mail from Citizen 's ; the letter said that the funds from the check would be delayed, but available on XX/XX/XXXX, 6 days after the check was deposited. The letter ALSO stated that Citizen 's believed the check will not be paid. I have attached a copy of the letter. 

On XX/XX/XXXX, the account was credited {$29000.00} ( dated back to XX/XX/XXXX ), but then immediately debited the same amount. We spoke to a branch representative, and they said that the credit was a mistake, that the check would be returned to us in the mail, and that the funds would be sent back to XXXX XXXX, our insurance company 's bank. I am attaching a copy of the relevant transactions from the bank statement. 

We did not receive the check in the mail. When we called Citizen 's to ask about the paper check, they said they return the checks to XXXX XXXX and that there is no way for us to get the check back. They advised us to ask our insurance company to reissue the check. 

When we spoke to the insurance company on XX/XX/XXXX, they let us know that the funds have not been returned to them, and therefore, they can not reissue the check. We called Citizen 's again on XX/XX/XXXX and were told that the funds are in the process of being returned to XXXX XXXX, with no estimate of when the return would be complete. 

We also started an email thread with XXXX XXXX ( NMLS ID XXXX ), the XXXX 's banker at our local branch who we have been working with throughout this process, as well as our insurance company, hoping that the two companies would be able to work together to track down the missing {$29000.00}. Unfortunately, XXXX refused to use the reply-all function so the insurance representative could not see her response ; however, XXXX did indicate that the funds were already return on XX/XX/XXXX. This is a direct contradiction of what her colleague had told us over the phone earlier. This is also not the first time that we have been told contradictory things by different XXXX 's employees in this case, see also the open question of whether the check would be returned to us or not. At this point, we have no idea where the money is, and it seems Citizen 's does not either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have made several attempts to get my student loan written off and closed on all three of my credit reports as this is a debt consolidation loan with Fed Loans which was for my XXXX  and XXXX  XXXX! I started repayment of my XXXX XXXX in XXXX when I graduated then returned to college to finish my XXXX  and consolidated my loans with XXXX XXXX, then went to work for the XXXX XXXX IL and XXXX XXXX  took them over now Mohela has taken the same loan over from XXXX XXXX!! 

It is the governments job and responsibility as well as their services to update all accurately, to track all loans when consolidated accurately and to follow the laws and write off student loan debt that has been paid on for 20-25 years but is not yet paid off!!!!!!! I started into repayment in XXXX and this is XXXX so have been paying on mine XXXX yrs!!! I want these loans written off and all information showing correctly in ALL of my credit reports, also their responsibility and job!! I then want my documents mailed and emailed to me showing all has been done and my corrected credit reports mailed to me!!!! 

I have tried to correct with the Dept of EmploymenXXXX twice, The credit reporting agencies numerous times one is attached which shows they did NOT remove it as they claimed and I want it written off not removed it should show XXXX balance the law states student loan balances are to be written off after 20-25 yrs of payments, it has been XXXX yrs!!! I also have tried to fix with Mohela numerous times and no one has fixed it!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
This is my Folow-up 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance XXXX {$6400.00} XXXX XXXX  XXXX Balance XXXX {$5500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I have sent numerous emails and phone calls on the following dates. 
XXXX, XXXX I have been calling and contacting them because I set up my account to pay for an international symposium and school visitation. 
I used the company I was informed to use WISE. They let me set up an account, I then transferred the money and they withdrew it from my bank account on XXXX. Then I was notified that they deactivated my account.No reason and no excuses why because no one can offer that answer. I have been emailing, calling and trying to get my money back since then. I have been unsuccessful in trying to collect back {$3200.00}. 
It is stated on their website that it can take 5 days. However, after speaking with them they informed me that they would return the money to my account within 10 days. Then it switched to 20 days. Then I am being told it can take sometimes longer. It has been 14 business days and 20 calendar days since they have withdrawn my money from my account. 
I have been trying to find out the status and they simply state that they have no answers because customer service can only see that it is closed and i have to send and email and wait. 
No one can give answers as to when I can receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NY
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:
When I investigated my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion is displaying an account that says it closed And its open. The account in question is XXXX XXXXXXXX XXXX. I've sent letters in XXXX, XXXX and XXXX asking them to update this information. They were also sent An account status update from XXXX XXXX XXXX  in XXXX and it still have been updated

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 2023-06-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased a XXXX XXXX XXXX  with my Jared credit card abs return the bracelet within the thirty days. Represenatives from Jared informs me that all charges are returned.. to include a {$300.00} dollar payment i made. After returning the item Comenity Bank charges me for insurance on a bracelet that is returned. They have been adding interest on the charges as well. I repeat i returned the bracelet and recieved a {$300.00} refund. All of this appears to violate Federal Trade Commison Guidelines on purchasing goods abs services in America. To wrongfully charge me for a good or service that is not needed or purchased. I called Comenity bank and canceled the Assurance coverage. I was lied to abs told it will remove the charges and it runs out that was a lie. I'm being told i have a payment due for XX/XX/2023. The attached photo and recorded phone calls have been obtained as of XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new XXXX XXXX XXXX XXXX in XXXX of XXXX. It took a bit longer in paying off the vehicle. The principle was Satisfied XXXX of XXXX with Regional Acceptance Corporation the finance company. XXXX XXXX hurricane Ian happened the car was destroyed. I've been trying to get them to wave the excess fees because the principle is paid. They are ruining my credit predatory with this loan. I even asked to eork a deal out or settlement. They aren't willing, to comply. I lost everything including all my other possessions my home. I've asked for my principle satisfaction and they won't provide it to me. XXXX has never given any money for the vehicle. Insurance nothing. I've shown proof of loss yet they aren't willing to comply or settle with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: WA
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 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. 
Account Name : XXXX XXXX XXXX Account Number : XXXX 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- 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX : {$110.00}

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 2023-06-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my accounts, they made a auto payment even after I stopped all auto payments on a checking account that was closed that resulted in reversed payment and as soon as they contacted me I went to my checking account and made the payment, I was never late on any payment and they closed all three accounts that will now have interest rates at 23 % when I had a zero interest rate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX 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 non-monetary relief