BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NJ
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 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 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 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 2023-03-06
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:
I am stressed and displeased that I see there are fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a breach some months ago so I thought you all would protect my consumer report. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now for me and my family. Upon looking at my report, I see that a 3rd party company has my information. For you to sell my information is FRAUD and neglectful on your behalf. You all can get sued for these damages. This is negatively effecting my livelihood. I feel your database is inaccurate and I am filing ligation against this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IL
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2022-11-17
Company: EQUIFAX, INC.
State: MD
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 been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in the immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
They are still furnishing the same accounts on my credit report to which I don't recognize. They have closed my complaints but have not given any resolution to remove those unwanted accounts on my files.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 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 2022-04-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today Sunday XX/XX/2022 my significant other was helping me to apply for a job online for a postal Service ( XXXX XXXX XXXX  ). The information said that I was to pay for a registeration fee of {$38.00} along with a processing fee of {$9.00} totaling to a full fee of {$47.00} and that if I did not get the job I would get refunded double the amount. I put my information such as my name, address, email and card information in and applied. The charge was taken from my Chase Bank account at around XXXX pm. After a couple of hours later at around XXXX pm my significant other called to tell me to wait to apply because she wanted to do more research on the website and application because it could be fraudulent but I told her I already applied and that she should have told me a bit earlier. I locked my card on the Chase Bank app. At the moment right now I can not dispute the transaction do to the fact that the charge is still pending even though the charge was taken out of my account. I tried to call my Bank but at this time of the day no one is on duty so I have to wait until tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has been paid since XX/XX/XXXX but is still reporting to XXXX as unpaid and has only updated as I only paid {$1.00}. I have gotten in touch with company and they keep saying it should have updated. But the only update I have is a {$1.00} dollar decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
8 months ago i spoke with a supervisor at ally financial in regards to them calling my family members as well as the car salesman that sold me the car whenever i got behind on my car note. They assured me that they will remove all numbers that is not my contact number so no one else other than myself would receive a call if i ever fell behind again. i have also inquired on a bill they are charging me for a repossession fee when my car has never been repossessed. i have spoken with several people as well as management in regards to this charge but yet have not have it resolved and i still am getting billed for it. it has been over 6 month and no one has returned my call or have not removed this fee. 
now that i have fallen behind again they have started to call the salesman that sold me the car ( a person i don't know personally ) my parents and a friend. when i call them and ask for a supervisor, all they do is put me on hold or say that all of the supervisors are in a meeting than fowards me to a voice mail. i don't understand how every supervisor for such a large organization is always in a meeting when i ask for one!

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 2022-11-17
Company: EQUIFAX, 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'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 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 consumer report is filled with numerous errors, these account needs to be removed due to FAIR Credit reporting acting. 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts

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 2017-12-06
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today 's date : XXXX XXXX 2017 I have used Paypal in the past to buy something because that is what the company I was doing business with said I had to use. Recently I began getting emails from Paypal to set up what they called a " credit account. '' Doing this requires that I pay Paypal some money so they have it in case I want to buy something. I have told them two or three times I have no interest in setting up this kind of an account and will not give them any money and they keep on sending me emails telling me I missed a payment. I just called them and tried to tell them and the guy who I was talking to started trying to tell me what I had recently purchased using Paypal, which was completely paid for. I do not remember when I bought it or what it was since it was not a business expense since I do n't have a business. The email they use to send me this can not be replied to so I have to call them and every time I do that, they argue with me. Today I finally told the guy that I was hanging up and did so without waiting or him to say anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Acct # 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. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-01-06
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I placed an order on amazon using a XXXX XXXX XXXX. However, amazon changed my payment method to my amazon credit card without notifying me. They claimed my original payment method failed and they used my amazon card as a backup. However, I never consented to having my amazon card be used as a backup and they never notified me that my original payment method failed. I suspect they are automatically selecting the amazon card and charging it without notification so they can make extra money from the interest rate. This is not legal.

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 2020-03-25
Company: Accurate Background
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a background check for XXXX the company " accurate background '' was the company that did my background check. The results of the background check ended in a adverse decision. The company requires a 7 year background check. My felony is 7 years old as of file date of the criminal charge XXXX. The background company went by dispostion date rather than the file date which is the FRCA policy. I would like to know what the policy is when it comes to when the clock starts on the 7 year rule and if the company is not following those guidlines. I was denied a very very crucial important job in these desperate times we are going through and this has effected my family in every way. Please contact me asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a customer at Bank of America and my Debit card has been hacked and i had to call them straight away. They came back to me asking for papers and receipts ( I was hacked ) which completely illogical. Ive talked to them for that matter but no one helped.

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 2022-11-20
Company: MOHELA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
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. 

Account name : XXXX XXXX # XXXX, Account name : 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 a 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2023-01-19
Company: Experian Information Solutions Inc.
State: NC
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 submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXXXXXX XXXX victim. I submitted my dispute via XXXX XXXX  and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a victim of XXXX and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.

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 2022-04-11
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: Account information incorrect

Complaint:
I personally Wrote to the credit reporting agency on my own behalf without the help of anyone or business. I did an investigation on my credit report which caused severe XXXX upon me and found inaccurate and questionable items that the reporting agency didnt make sure was reporting 100 % correct. please see attached document.

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