BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
EQUIFAX XXXX ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - XXXX  1 ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - XXXX 1 ) XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened with Bank of America in my name. Did not open said account. I called and had the account closed and was given a claim number XXXX. I also filed credit freezes with XXXX, XXXX and 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 2019-06-28
Company: FORD MOTOR CREDIT CO.
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:
I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/2022 We were lied to by XXXX XXXX who knocked on our door and sold us solar panels, they stated this was an initiative by the state of Florida, because they wanted people to go green. 
They promised tax incentives & told us we would be saving so much money because the solar panels would cut our electric bill immensely. They Lied about the size of the loan, we did not know till afterward when we received an email from Dividend finance and I called Dividend finance in the very beginning with my concerns and told them we were misled, Lied to and pressured into signing up. 
Dividend told me everything was above board and would not let us cancel. Now here we are a year later with the panels still on our roof and still non-working since the day they were installed. 
We found out the work that was done on our home, was done illegally and without a permit or inspection from city. 
Even worse, Dividend released monies to XXXX XXXX for not only Incomplete work but illegal work done on our house. We did not agree to them releasing money on our behalf. 
They approved everything from XXXX XXXX, very quickly and without our knowledge so the loan could be activated. 
I also believe they targeted me a stay at home mother with no income to be named on the loan, rather than my husband who has a good income and good credit. So they could charge a higher tax rate. 
Now XXXX XXXX are out of business and Dividend are trying to keep customers locked into these huge loans. A loan that I was not even aware of when the guy was in our home trying to sell us the panels. He told us this was being done through Florida, because the state of Florida wants people to go green. Lies. 
Now Dividend is calling me trying to get me to agree to a third party solar company with great reviews to fix XXXX XXXX mess. When I asked XXXX from Dividend the name of this third party company, with great reviews she could not tell me. 
Then she backtracked saying well actually we have not found one yet, but I would need to agree first. I do not have a contract with this third party company, it was with XXXX XXXX, who are now out of business. 
Our panels have never been fixed or connected. Our local electric company did not even know these panels were on our roof, yet Dividend approved the work and released money to XXXX Stating it was complete. Without permits, photos or documents shown to us the Consumer. Because there is none. Again it was done illegally. 
The only thing I want at this stage is those NON WORKING panels off my roof and to never do business with Dividend ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: IL
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 some of the information was erroneous. The 3 credit bureaus are required to validate 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I have submitted several disputes online and over the phone with XXXX regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by Citi Bank/Best Buy on XX/XX/XXXX. I have not applied for a credit card for Best Buy. I contacted Best Buy on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under Citi Bank/Best Buy. I have asked Citi Bank/Best Buy to provide me something in writing to confirm I did not apply for this card since XXXX keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.

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 2022-09-09
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:
I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Credit reporting 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 am not liable for this debt with XXXX Bridgecrest Acceptance Corpora. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 US 1681. XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section2 : It also states a consumer reporting agency can not furnish accounts 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 explanation
Consumer complaint received 2022-05-31
Company: DISCOVER BANK
State: FL
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:
Hello my name is XXXX XXXX and this is my XXXX complaint towards Discover. Executive Office representative XXXX sent me an email which I never consented any contact from him and has failed to answer my response. 

Im aware an email sent to XXXX of the Executive Office stated Hello XXXX, Im aware that congress is really adamant about protecting consumers right to privacy. 

Nothing under the FCRA REQUIRES a furnisher to furnish negative information to any consumer reporting agency. 

The term " negative information '' means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

The term " nonpublic personal information '' means personally identifiable financial information- ( i ) provided by a consumer to a financial institution ; ( il ) resulting from any transaction with the consumer or any service performed for the consumer Im aware that Discover is only furnishing this negative information because the company 's " policy '' allows Discover to use unlawful extortionate means to coerce you to make payments on extensions of credit. 

Collections of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. 

Can you clarify the billing errors that you claim im allegedly late on? I would promptly like to receive the accounting for this. 

Warm Regards XXXX has failed to respond to my request and has willfully neglected to respond to my request. 

As a consumer if theres any billing dispute between consumer and financial institution they lose the right to collect until the billing dispute is resolved. 

CFPB please be aware that Discover continues to solicit and send me payment reminder emails when theres a dispute between parties. 

Im aware as a consumer per the IRS I can request the AUD trail and the account ledger for the this account. 

XXXX of the Executive Office please furnish the requested documents. You failed to correct my report and now Im asking for all verifying documentation.

Im giving Discover ( 3 ) business days to send me : AUD trail Account Ledger As a reminder, since theres a dispute between parties. Discover can not collect any amount until the dispute is resolved. There must be suppression of the account until all disputes are resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX - XXXX XXXX - Is a fraudulent inquiry on my report need to be removed XXXX - XXXX XXXX is another fraudulent inquiry I don't recognize and it ran my report 3plus times which is insane please removed asap my Information was recently in the dark web please removed. 
XXXX XXXX XXXX XXXX  is fraudulent I don't recognize as well please removed.

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 2019-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I received a letter from Bank of America stating they were declining me SHORT-SALE on my home, for no apparent reason. I complained to Hud and Bank of America. What was the reason for Bank Of America declining me a short-sale when I provided all of the documents they asked for. My real-estate attorney also provided numerous of documentations to them. After, two weeks of complaining the Bank finally approved my short-sale on the home. But, now Bank of America suppose to provide me with {$3000.00} in relocation assistance to help me find a suitable place to stay and they also denied that also! I am so shocked and disappointed how Bank of America has treated me through this difficult time in my life. I am selling my home, because I can't no longer afford the payments and I got so behind. My lost hours on my job also. I wanted to make sure this home won't go into foreclosure and get auction on the courtroom steps. Now, I have a buyer on the home and I have a place to stay but it wont be ready until XX/XX/XXXX. So, I really need the closing date to happen after that date. Here are the document supporting all of my arguments. I really need some type of Assistance. Thank you so much XXXX # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Brown and Joseph, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
am XXXX XXXX XXXX. 

Due to a XXXX  XXXX recently I could no longer work and was placed on Long Term XXXX XXXX XXXX XXXX XXXXXXXX who referred my claim to a fraudulent company named XXXX who was supposed to help me build an XXXX  claim, however I learned that XXXX only wanted my award money from Social security if awarded XXXX. When I learned this I removed XXXX from representing myself in my Social Security XXXX determination for fraudulently representing me. XXXX and Brown & Joseph debt collection agency are working together to fraudulently force me to pay {$10000.00} in a surprise corrupt overpayment fee for their health insurance services when awarded social security XXXX insurance funds. XXXX has stolen {$3100.00} of my award money from the federal government XXXX Award recently issued to me by the XXXX, VA Social Security office who has not protected me. 

I reported this to the FTC hoping XXXX, XXXX, and Brown & Joseph will not retaliate against me. 

I am requesting the agency to defend me as a U.S. citizen with health challenges. I would like the agency to exonerate me of this {$10000.00} obligation. 

I really need your help and for you to intervene on my behalf to bring justice for me as I battle this severe health condition and the XXXX  processes. 

Thank you for any and all assistance and attention in this matter. 

They just filed and charge me for another XXXX XXXX dollars this past week

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, The XXXX  At XXXX XXXX, KXXXX XXXX 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 and XXXX has violated my rights.

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

15 U.C.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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2021-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX charged a {$17.00} purchase to a credit card ( XXXX prime card managed by XXXX XXXX ) which I'd cancelled several years ago. 

XXXX then auto drafted payment from my Bank of America checking account. When I used the card and the account was active I had it on autopay. The account was over drawn so Bank of America rejected the auto draft and charged me {$35.00}. 

This process repeated itself 5 times. Bank of America agreed to waive two of {$35.00} charges but wouldn't credit me for the remaining charges. 

I asked what benefit or service did I receive in return for the {$35.00} charge, they indicated that according to banking agreement I would be charged {$35.00} each time the account was overdrawn and another bank attempted to draw payment. I escalated my request to a supervisor who called me. I plead my case but he would not issue any further credit. I asked if I could escalate the case further and he said there was no process for doing so and indicated that if I had no questions related to other matters that he would terminate the call and hung up on me. Bank of America employee XXXX employee id number : XXXX While the {$35.00} fee may be buried in the fine text of the agreement and perhaps legal to the letter of the law this is nothing more than extortion and the bank taking advantage of individuals who have no recourse. If the bank paid the credit card bill and then turned around and charged me a fee for the service I could at least say there was consideration offered for the charge. This was nothing but an excuse to extort funds from individuals already under financial duress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation