BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a payment in error to a credit card I used to have at Bank of America which resulted in a credit balance of XXXX. I called but was told that since I couldn't remember the password on a card I haven't used in years, this could not be resolved over the phone. ( I was able to supply to them all types of other personal information including the account number on the card and the credit balance that was showing on the statement I received ) I was informed that I needed to go in person to a branch. I then went to the branch located in my town, XXXX, PA, on Friday XXXX. I was told that they would send the credit balance to my current bank and had me verify all the account information. I was told it would take 3 or 4 business days. On XX/XX/XXXX, the credit had still not appeared so I again went to the local branch. The person who I met with this time called the credit card area and was told that I would be getting a check for the credit balance. Today is XX/XX/XXXX and I still haven't received my money. I have been patient and have done everything asked of me by Bank of America but have not been able to access the funds that are rightfully mine. I am a senior citizen and am starting to think that BOA will keep my funds from me as long as they can.

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 2021-12-30
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:
I was never provided a notice to use for Experian to use personal information or report my consumer credit profile FCRA 15 USC 1681 a ( 4 ) ... .. FDCPA 15 USC 1692 a, nor have I ever gave written or expressed consent for the alleged creditor to sell any account and provide personal information to XXXX XXXXXXXX for {$130.00}, also have not seen a contract doing consumer transactions with 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX Account # 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.

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 2021-12-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There are several companies to dispute with and I have tried numerous times. I am victim of the 2019 breach and have been having issues every since with all accounts as I have had brokerage accounts and was not made aware and they were repeatedly stolen from me. My accounts were then fraudulently used and after numerous complaints, still not fixed. Currently my checking accounts are in a charge off status which is only supposed to happen with credit cards. They have told me I have to open new accounts now, and most of my money has been stolen and have refused to even allow me online access to see all problems to even file disputes. Currently XXXX is a card I received as a prepaid from a Financial Service center as I am an investor or broker of this banking center. When I got back into the account, they closed it. So now I no longer can use this card and have to open a new one. I am concerned as this means someone has stolen the investor/brokerage status I had with this banking center as well. I need help. I have filed identity theft from identitytheft.gov and also need to file against some individual corporations and banks. Who should I contact now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: MI
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 Michigan 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are unauthorized inquiries on my report that needs to be removed. I did not authorize these inquiries Which are XXXX/XXXX inquiry from XX/XX/2018 XXXX XXXX XXXX inquiry from XX/XX/2018 XXXX inquiry from XX/XX/2018 XXXX XXXX   inquiry from XX/XX/2018 XXXX inquiry from XX/XX/2018

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 2023-06-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BOA double charged me on a month I had a large balance, and I've been unable to get my money back despite a series of long calls with the company and various promises made. My BOA credit card is on autopay, to cover the full amount each month, from my checking account at a different bank. At the beginning of XXXX, I got a notice the payment couldn't go through because of the balance in my checking account. I fixed the balance, and then sent in payment manually through credit card website ( still taking money from the same bank account ). A couple days later, BOA took the same payment AGAIN : {$4900.00}! I called to ask to get my money bank in my bank account, starting beginning of XXXX, and despite many calls and being handed around between employees and departments, I still don't have my money back. My credit card now account shows an almost {$4000.00} credit, and they *still* took more money out of my bank account to pay my XXXX balance. They keep telling me different things, but the conflicting advice almost doesn't matter because it all results in the same thing : I'm out the money they took from my bank account without my permission, and scrambling to pay my mortgage and coop fees, and my estimated taxes, and other bills, for the second month in a row. Today I called again ( having been promised the money back in my bank account by last Friday at the latest, but of course it is still not there on Monday ) and was told it would take 30 days more to get it. Previously, I was told it would somehow take three billing cycles, to get my money back. Funny, when I sent money to them, it went through almost instantaneously! Whatever BOA says in response to this, I am absolutely not going to believe it until I see the money actually back in my bank account.

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 2023-10-24
Company: EQUIFAX, INC.
State: TX
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Company: EQUIFAX, INC.
State: NY
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2023-06-12
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, seedfi 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a letter in the mail on XX/XX/2023 stating that I owed a debit from indigo credit card for XXXX and that they will report Credit Bureau Reporting : We may report information about your account to credit bureaus. Negative information such as a default may be reflected on your credit report.

This information is not legal advice. The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems , LLC ) can not sue you for it. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. It you do not pay the debt, we may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting PRIVACY NOTICE Jefferson Capital Systems , LLC ( also referenced herein as we and us ) is providing this notice to you as required by Federal law. We may collect nonpublic personal information about you as permitted by law from : Your transactions with us ; Prior owners of your account ; Consumer reporting agencies ; Applications or other forms that you provide to us.

We may disclose nonpublic personal information about you to the extent that it is : ( a ) specifically directed by you ; ( b ) permitted by the Gramm-Leach-Bliley Act such as to service and maintain your account ) ; and ( c not prohibited by other applicable law. including. but not limited to. the Fair Debt Collection Practices Act.

We restrict access to nonpublic personal information about you to employees who need to know that information to provide services to you. ' We maintain physical, electronic and procedural safeguards that comply with federal XXXX XXXX XXXX nonpublic personal information. 
Mail this form or Send correspondence to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail pay ents to : Jefferson pital Systems, LLC XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX _

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have  XXXX  accounts w ith Midland Funding  #  XXXX  and #  XXXX  and I have requested debt verification more t han one ti me and this company has not provided me that information. It has been more than 70 days and not information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information that this account be deleted from my credit report. They have indicated that since that they have not provided me verification that they were going to delete the information from my credit report, but they have failed to remove from my credit report. I have sent them and the credit bureaus more th an 4 letters  requesting verification which they have refused to provide me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2021 I contacted Experian, XXXX, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to Experian, XXXX, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information

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 2021-07-24
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
CHRYSLER CAPITAL account, date of reporting XX/XX/2021 Chrysler credit ids reporting erroneous information on my Credit report. Disputed with CRA 's nothing happened. violations are 1 ) No date of closed or by whom 2 ) no credit limit reported 3 ) no date of last activity or payment 4 ) no answer to 623 request. These are FCRA violations and account must be deleted. This account was sold to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong 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 2023-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-05-25
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:
To Whom It May Concern : This account has been inaccurately reporting. This account is reporting differently across all three credit bureaus, yet all three bureaus deem their information to be 100 % accurate. It is in fact impossible for all three credit bureaus to be correct. Payment History, Account Type, and All Lenders Contact Information both Address & Phone Number are reporting differently on this account. I demand that this inaccurate account be removed from my consumer report immediately upon notice of this dispute, as it is my right as a consumer to receive accurate reporting. 

I am aware of XXXX XXXX previous lawsuit due to reporting inaccurate or incomplete information and see that my account is also reporting inaccurate and the credit bureaus are also at fault for not thoroughly investigating my disputes!

Company response to consumer: Closed with non-monetary relief