BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX business account was closed in XX/XX/2020 at Bank of America. I haven't received any mail at home about a remaining balance. I couldn't access the account because it was closed and they continue to pile up the fees without physicals MAIL notification. The balance is now in collection from what the phone rep said.

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 2023-06-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2022-12-14
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: MI
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-01
Company: NAVY FEDERAL CREDIT UNION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent in a billing error in accordance with title 12 CFR 1026.13b for 3 credit cards in the amounts of XXXX XXXX XXXX XX/XX/2023 And requested that the credit balance be sent credited to my account or refunded to be in accordance to title 12 CFR 1026.11 Navy federal keeps telling me there is no credit balance and I must pay and they will keep adding on interest even though there should be no adverse action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today I purchased  my credit score and report from  XXXX  via online and also included in the purchase was the same information from   XXXX    and Experian. There was a major discrepancy in the scores at which point I contacted   XXXX    customer service and was informed that the credit score I purchased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score  XXXX  reports to credit lenders when they   inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in  XXXX  and I received a letter from my previous mortgage company that my  credit score th rough   XXXX   was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!

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 2017-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ,  XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XX/XX/XXXX  To Whom it  May  Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   Equifax    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing    XXXX   XXXX       XXXX   XXXX   XXXX       XXXX   XXXX    Auto Financing   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX        XXXX   XXXX    Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX      National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX       National Credit Card Cos.        XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    Television & Radio    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   T elevision & Radio   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX    Miscellaneous Reptg. Age ncies    XXXX   XXXX      XXXX   XXXX   XXXX        XXXX   XXXX      National Credit Card Cos.        XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX     National  Credit Card Cos.      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX , Tire Dealers   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Personal Loans Cos.    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a follow up to my previous complaint XXXX. 

XXXX. The XXXX credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXX XXXX error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to 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 2017-05-05
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  TRANSWORLD SYSTEMS lic ense. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101. TRANSWORLD SYSTEMS do es not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTI CES ACT 62-20-105 stat es no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  TRANSWORLD SYSTEMS is i n direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX 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 : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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 2023-10-01
Company: EQUIFAX, INC.
State: MA
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:
I am writing to report and dispute incorrect information on my credit report, which I previously contacted Equifax about on XX/XX/XXXX. Despite my initial communication, I have not received a response from Equifax to date. Below, I have outlined the details of the inaccurate information and the necessary corrections : Account with XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$590.00} This account is not mine, and I request its immediate removal from my credit report. 

Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} The balance provided for this account is incorrect and has adversely affected my credit reputation. I dispute the balance and request a revision of the Past Due information since it is inaccurate to present a Past Due amount for a closed and charged-off account. This account may have caused a drop in my credit score, and I am seeking resolution with my creditor. I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. 

Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} I dispute the reported balance of {$6000.00}, as I recall it being lower. Additionally, the Past Due information should not be reported for a closed and charged-off account. I request Equifax to delete the Past Due information and mark this account as disputed to protect my credit score. 

Account with XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$13000.00} This account is not mine, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs

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 2023-10-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
All of the auto requests on my report have been falsely applied for on my credit reports. There are many. There are also credit cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-29
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments

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 2022-04-08
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXXXXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to the credit bureau reports, in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section XXXX ( XXXX ) & FDCPA XXXX, Under XXXX. V lid i XXXX XXXX XXXX Mi XXXX Mi XXXX XXXX XXXX i XXXX ( XXXX ) XXXX XXXX XXXX # XXXX Validations of date and Mini-Mirandi under XXXX ( XXXX ) XXXX  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO XXXX. I also have reported this account to the FTC, and XXXX Police XXXX. I need this collection account to be removed from my credit report. XXXX XXXXXXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation