BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. An FTC report XXXX and a local police # XXXX report have been filed and attached to this statement. Please REMOVE this information no later than 4 days after receiving this consumer statement under 15 U.S. Code 1681c2. 
Reporting accounts are XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXXXXXX XXXX account number # XXXX XXXX XXXX account number # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was in the market for a new car ( purchased on XX/XX/21 ). In going through financing options I worked with the dealer 's lender and I put in a request with Bank of America. I instantly was approved with BoA and was told I would be contacted within the next business day to discuss the loan. Given the time sensitive nature of me buying this car ( I wanted this model and wanted to purchase ASAP, so it was not sold to someone else ), I called BoA on the morning of the XXXX to talk to a lender. After a lengthy hold I finally was able to talk to someone. I asked them about next steps and they stated I needed a dealership letter to send to the dealership. They said I was approved and it would be in my BoA portal. We confirmed to do a higher amount just in case the car was more, but it was agreed the total amount was just for my loan of the car, nothing else. I sent it over to the dealership and drove an hour and a half down to purchase the car. After waiting almost two hours to purchase the car, I finally went into the financial office at the dealership to go over the final details/sign the paperwork. In talking about my loan the agreed amount was correct, but he informed me that BoA added an additional fee that I would have to pay back to them. No where in my approval email did it say I would owe BoA anything additional besides the APR % back, nor when I talked to the loan expert they said I would owe BoA anything. This is 100 % predatory. I was never notified that I would owe BoA additional monies besides the interest rate. Given I took off work, drove an hour and a half to the dealership and I sold my other car that morning, I was in a tough spot to back out.

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 2023-08-02
Company: EQUIFAX, INC.
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:
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.

has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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 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 no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: PA
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with Bank of America and I scheduled a payment of {$300.00}. That payment returned for insufficient funds. It's an account I use to pay bills and I made a mistake with my balance. 
I called the bank customer service and asked if that amount would be charged again and the associate I spoke with said it wouldn't because she could not see anything to be charged on her system and I would have to reschedule a new payment manually. 

I did not schedule anything on the same day and when I checked my account the next day, the amount was being charged again and returned with insufficient funds again. 

They canceled my card for that reason. I did not have any payments overdue. They even said that was not justifying reason to cancel my card, and they would do that based on my debit amount with other institutions. However all my payments are on time. 

I've called them around XXXX weeks ago because I want to negociate my debit and the person who I talked to was really rude, screaming at me and justifying her rudeness saying that I had payments returned because of insufficient funds! I requested that she treated me polite and with respect, but the more I asked, the more she screamed at me with because I had my payment returned. I felt really discriminated by the way she treated me, especially because I'm a hard work person, who works 3 jobs to pay my bills on time, as my credit score shows. 
I felt humiliated by Bank of America. The way they treat people they can not profit from. They had no reason to treat me like that, I always paid them, at least the minimum amount on my card. 

What I want now from Bank of America is not the credit card anymore, but the discount on my debit due to my difficult Financial situation.

They have already caused damage to my credit score by simply canceling my card. 

They treated me with discrimination because of my financial situation and you can see that on the phone calls that I believe they have recorded.

I want them to listen to the 2 phone calls I had with their associates : The first one in which I asked if I would be charged again and the second one in which their associate treated me aggressively and with discrimination.

They can't just do that to people who are going through a difficult time, but paying on time.

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 2023-08-02
Company: EQUIFAX, INC.
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:
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.

has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Army and Air Force Exchange Service
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested a goodwill forgiveness from AAFES/MILITARY STAR for late payments on my account, which was granted. I explained I had been medically retired and at 100 % XXXX and was trying to repair my credit after also being divorced. I was thrilled that my request was granted. It was after that request that my account that was paid in full had the status change after more than a year. Upon being granted the late payment forgiveness, my account status began being reported as charge off and in collections status. I am pleading that this status be changed from derogatory and removed from collections. I retired XX/XX/2020 and my remaining account balance was taken from my taxes before the account was reported as collections or charge off.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-08-02
Company: EQUIFAX, INC.
State: TX
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So recently I had visited a Retail Store as I was shopping & attempted to purchase I was ask by store associate if I was interested in applying for their store retail card ( not credit card visa/master card ) if approve receive additional discount. I also asked if this would be soft or hard card? It was explained that Id recently applied & approved for three card lines ( drops points/hard credit checks ) after accepting credit. Also told told about previous creditor that misrepresent & given inaccurate information about their inquiring process for their store card which was disputed & later remove from credit report. So sale associate reassured me that this wouldnt be hard, but a soft credit to determine a line credit for their store card ( aka XXXX XXXX issuer XXXX XXXX  ). Also stated that I already had XXXX  ( which as used for purchase on XX/XX/XXXX ) card. But I was convince & mislead to believe otherwise ; that would be a soft credit instead of hard credit. So reluctantly applied for & was told that I will receive a letter via mail with a decision in response to inquiry. So to my dismay & surprise that it was in fact a hard inquiry happen apply which lead suspect she do retail store card, but store visa/master credit card which uses consider a hard inquiry. I already reached to XXXX XXXX  as well as all three credit bureaus about this incident that took place with to inquiring that was misinformed to me at the time. I was then told by XXXX issuer for XXXX XXXX card that they will process a compliant/investigation on my behalf as well as submitted it to all three bureaus to look into to get it resolved by removing off my credit reports. Since then after contact all three credit bureaus in order to follow up with about the incident regarding XXXX XXXX I wasnt reassured or confident that compliant would be taken seriously. Im even sure if there is a report on filed on my behalf about the misinformation & process to have inquiry removed. I think this incident should be further investigated & resolved in timely matter.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem getting your free annual credit report

Complaint:
After verifying all my information correctly I still wasn't able to receive my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: GLA Collection Company, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the GLA company to ask for more information about the alleged debt owed. I did not get any relevant information outside of someone used my identification at a medical facility therefore causing the accrued debt to be mine. I have 100 % medical coverage so even if I did go to the hospital parts of, if not all of the expenses would be covered.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Winklevoss Exchange LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred funds from my personal bank account into this US-regulated crypto exchange, GEMINI, no problem for that. Then, I bought Bitcoin on their platform, no problem either. 

Then, I asked to withdraw my BTC, and the platform doesn't allow me to do so. I tried several times, from computer and phone 's app. 

On XX/XX/2023, I sent their support an email. Initially I got an answer saying " I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps '' ( From XXXX ). 

That was very first and last email. Never got back to me, although I sent more follow up messages in the next weeks. 

Finally on XX/XX/XXXX I got an answe from another representative, this time XXXX. He said basically the same XXXX said a month earlier. Now, it took 3 more weeks for his next response. 

On his last email, XXXX basically said to me that I can't withdraw the bitcoin I bought on their platform, but I can sell it and withdraw the XXXX. 
My simple and humble question : WHY? 
Why I can put money into their platform and buy crypto without any problem and then I can't withdraw? 
Why they promise on their platform that I can buy crypto and withdraw as soon as my money is confirmed, which happened in a matter of couple of days, and then it's all a lie? I can't withdraw my crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief