BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: HANCOCK WHITNEY BANK
State: LA
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 am seeking assistance in the matter of a dispute between all major bureaus and a financial Bank and lender Hancock Two payments were sent to Hancock Whitney in the month of XX/XX/XXXX these payments were sent to cover my monthly installment payments on an auto loan. Not only did they receive and confirm receipt of these two payments in XXXX, but a payment large enough to cover 2 months were also made in the month of XX/XX/XXXX. 
NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. 
This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported 60 days late on XX/XX/XXXX after filing my initial dispute they updated the reporting to 30 days, Well this is still incorrect so I initiated another dispute with all three bureaus each time the lender has creatively updating my file but never removed or correcting the 30 days late XXXX notice it showed updated but nothing changed, XXXX noticed the 60days was changed to 30 days, XXXX was up dated added how much I paid on my loan each month because I always pay more than my amount due. A third dispute was requested now XXXX is refusing to reinvestigate. I have sent supporting documents showing this is their error. 

Recently they updated my credit report adding a late payment for XX/XX/XXXX ILLEGAL in XXXX causing my XXXX score to drop further. My account and credit file clearly state for the year XXXX, I made 12 on-time payments another error. 
XXXX, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. 
The terms of my installment loan grants a 10-day grace period therefore I have until the 10th day of the following month to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX This lender is the liar, and thief here I am the victim, the victim of credit discrimination. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. 

The terms of my installment loan grants a 10-day grace period therefore I have until the 10th day of the following month to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is XXXX, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to contact Genesis- XXXX credit card and spoke with the rudest employee ever. I am trying to dispute a charge for the portion of the billed amount for my loveseat which is XXXX. 

Genesis has made it difficult to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hi, I contacted all three credit bureaus about inaccurate credit account and account that's not related to me. All three major credit bureau gave me hard time update and disputing the information that appear is wrong on my credit report.i called serval time and send letter of verification of my identity to update misinformed informations. I have not yes receive a letter of validation from the major three credit bureau. Please help me I am being denied due to this mislead information.My credit history has been taken off my good credit account .I purchase my car in XX/XX/2020 there has not beeb a correct payment place on my credit but wrong history information.i contact XXXX XXXX and they mentioned to me I have to contact the credit bureau to correct the account .this has been 2years now and my information and credit report still remain the same with unverifiable information inaccurate account.I called some many time about this matter and nothing has been investigate correctly

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 2023-05-03
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reported to the company Lexis Nexis and XXXX XXXX to remove my information permanently to opt out of their system using the following link XXXX XXXX XXXX XXXX XXXX  Please see the attached screen shot as proof of my submittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: HGREG.com
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I, XXXX XXXX, applicant, dated on XX/XX/2023 went to car dealership at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. However, XXXX XXXX XXXX XXXX, has failed to comply with the Equal Credit Opportunity Act. In addition, I was not able to get the Auto loan. I have reasonable cause to believe I was discriminated. See attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Act. XXXX XXXX XXXX ( Account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States that I have the right to PRIVACY. 15 U.S.C 1681 Section 604 A ( Section 2 ) It also states a Consumer Reporting Agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sent a check to XXXX XXXXXXXX XXXX XXXXXXXX for {$8.00} on XX/XX/2022. XXXX did not cash that check and someone else took that check and check washed it. They wrote a check to XXXX XXXX XXXX for {$740.00} on XX/XX/2022. PNC took the money out of my checking account on XX/XX/2022. I proceeded to tell my bank that this was not a check that I wrote. PNC took all of my complaint information about the fraudulent check and had it notarized. They sent the information to XXXX XXXX XXXX  on XX/XX/2022. This is the bank that the XXXX XXXX XXXX deposited the check into. I have been in contact with PNC for over 5 months now with no results. I would like to know when I can expect my money back. I am a XXXX  with very XXXX XXXX  and need the {$740.00} to live on. I hope that you can help me. I really appreciate your attention to this matter. I don't know what else to do anymore. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Quicksilver, Account ending in # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

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

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: MD
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 Co 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Sir/madam, Thanks for your time. 
I encountered a fraud of BOA debit card and credit card at the same time of XXXX, the debit card fraud money was returned after my complaint, however, my credit card fraud money ( {$2900.00} ) was given credit to me at first and then charged back at XX/XX/22. The BOA account 's transaction of XXXX are not authorized by me, I didnt do anything to it and didn't get any reminding of it. So the transactions are obvious a fraud and it's unfair to charge me the money.

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 2022-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is now on my report. As of XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Information belongs to someone else

Complaint:
I reviewed my credit report an noticed a lot of invalid information on my Equifax credit report. I am filing to dispute all incorrect information to help fix my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX- {$2500.00} XXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX XXXX- {$340.00} XXXX XXXX - {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
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: 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the following collections and its been affecting my credit scorw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MD
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 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 2023-05-03
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:
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. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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'm filing this complaint to the credit bureau to let them know once more that I was a victim of identity theft. I wish to challenge any unauthorized inquiriesthat are appearing on my credit report, but it appears that the credit agency doesn't give a XXXX. I need the inquiriestaken out of my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a debit card from serve, along with a letter indicating that there was a bank account number in my name. I did not open this account, and there does not appear to be a way to contact serve to investigate or close the account unless we already have an account set up. This card is issued by American Express National Bank. This may be identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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:
This is my 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 items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.

Company response to consumer: Closed with explanation