BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Synovus Bank
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: Problem with personal statement of dispute

Complaint:
YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT FIRST PROGRESS WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM FRIST PROGRESS CREDIT CARD AND XXXX STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE FIRST PROGRESS CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XX/XX/2022 ; XXXX 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 2023-02-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I ran my equifax report after receiving a notice that there was a data breach. I noticed several inquiries that I did not initiate. I contacted those companies and each explained that they do not have my information in thier system and show no record of me. They said I didn't to dispute through the reporting agencies. I called Equifax and after a very long g process of validating my identity they explained there is nothing g they can do and they do not dispute inquires and they can not help. The FCRA doesn't apply and they may fall off or they may not. 

I the FCRA clearly states that if information is incorrect that I very much have a right to dispute it. 

The inquires in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in the Citibank Accelerate High-Yield Savings Leveled Bonus Offer on XX/XX/XXXX and funded the account with {$55000.00} on XX/XX/XXXX. I met the requirements of keeping the balance above {$50000.00} to qualify for the {$450.00} bonus. The bonus was supposed to be paid to my savings account within 30 days of completing the required activities, which is either 30 days from XXXX or 30 days from XX/XX/XXXX. I contacted Citi via chat on XXXX and a representative named XXXX indicated I would receive the funds by XX/XX/XXXX. When I didn't receive the bonus, I had another chat, this time with XXXX on XX/XX/XXXX. He opened a ticket ( XXXX ) for me and indicated it may take up to 5 days to receive a response. I still haven't heard anything on XXXX. 
This savings account and my Citi credit card remained open and in good standing this entire time period. I've attached proof of the bonus offer, transaction history, statements and chat screenshots.

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 2023-04-27
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1300.00} from them around the end of XXXX. My first payment was in XXXX for {$540.00} and thats when they told me how Many payments and the amount I still owed them. {$6000.00}! They said my payments will continue until XXXX of 2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$5100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Rausch Sturm LLP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/2022 I attempted to call XXXX XXXX XXXX in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to Rausch Sturm LLP at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not XXXX of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.

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 2020-07-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
As of XX/XX/XXXX Experian report # XXXX falsely shows XXXX XXXX listed as a negative item on my credit reports. That account was paid off in full on 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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX or 2023 a checking account was fraudulently opened to Bank of America with my information. I immediately had it closed and took their advice to have my information with XXXX " frozen '' as a way to prevent this from happening again in future. 

Unfortunately, I have continued to have multiple accounts opened under my information even though my information is frozen with XXXX and can not be accessed by BOA. 

It would seem they are opening up accounts without following their own controls and not in compliance with federal financial regulations. Please help me understand why this is happening, what can be done to stop this, and quite frankly if any laws have been broken.

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 2022-11-01
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I edited the XXXX for US Banks credit card XX/XX/2022 with new bank account XXXX XXXX XXXXXXXX ) information to be withdrawn. However, the payment of {$160.00} on XXXX XXXX XXXX XXXX XXXX  payment was processed from an old bank account ( credit union ) that did not have sufficient funds. I called the institution and requested that the transaction be canceled as on my end online the payment information was being displayed with the new bank account. There was no way for me to visualize that the payment was going to be processed from the old bank account as I had deleted the old account from the system. The XXXX screen showed that my future payments would be made from the new bank account. The old bank account did not have sufficient funds as I was no longer planning to use it and I incurred a not sufficient funds fee. The customer service representative and the supervisor did not acknowledge that the information had not been updated in the system, they did state that they see the XXXX edit done by me in 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 explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX and I am submitting this CFPB complaint as a follow up to my previous CFPB complaint that I submitted to the Credit Bureaus. I sent a letter on XX/XX/XXXX, requesting to the Credit Bureaus to remove the accounts, inquiries, and personal information that are UNKNOWN to me. I came across the Federal law and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints # XXXX, # XXXX, and # XXXX, I am including these fraud items once again. If it is not too much to ask, please remove the following accounts and information as soon as possible from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
Company: Fidelity National Information Services, Inc. (FNIS)
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:
There are MULTIPLE fraudulent items on my CHEXSYSTEMS report. I have reached out to these companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my CHEXSYSTEMS report. 
I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not mine.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Consumer makes this submission on XXXX and disagree with CAPITAL ONE AUTO FINANCE LLC for discriminating against the consumer natural living woman for her right to grant credit sometime between XXXX to XXXX. The consumer submitted a consumer credit application for ( personal services ) for a used XXXX XXXX. Capital One Auto Finance sent written communication to the consumers location stating the reason ( s ) for not approving the consumer request were due to : Applicant unable to verify sufficient income which is false. A Capital one auto finance agent by the name of XXXX told me when I talked to him via phone, emails and text communication around that time was due to a credit score being the factor after the fact the agent sent me a link for the application which I filled out under duress because agent made consumer feel as if getting the application filled out quicker would get me into a vehicle but, that wasnt the case. XXXX the agent also considered the consumer use a co-signer in which I disagreed too. Then XXXX later explained to me that credit one auto finance was willing to offer me a consideration if I agreed to put down {$9300.00} as a down payment for the used car. Id like to inform credit one auto finance company that they are violating my rights as well as breaking consumer laws. According to XXXX esq No advertisement to aid promote, or assist directly or indirectly any extension of consumer credit XXXX state that a specified down payment is required in connection with Any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. The consumer believes Capital one auto finance company are being unfair and misleading as the consumer shall not be deprived of her rights or privileges. As a consumer which is defined in the Truth in lending act ( consumer ) natural living person. Consumer was not looking for a loan consumer was looking to purchase a vehicle via consumer credit transaction NOT a loan! And if the consumer were clearly and conspicuously informed from the beginning the consumer would had made a better informed decision since the consumer was not informed the consumer has no gain from the transaction and its causing the consumer a great deal of XXXX, discouragement, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : 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 2023-02-04
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, Consumer Financial Protection Bureau, the current balance of my PayPal account is XXXX and I can not linked to the bank to withdraw balance. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: OneMain Finance Corporation
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Investigation took more than 30 days

Complaint:
Hello. On XX/XX/2020 I wrote a letter to Equifax to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: LEXISNEXIS
State: DE
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:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX and Lexis Nexis, are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX and Lexis Nexis, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX and Lexis Nexis, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.

Company response to consumer: Closed with explanation