BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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:
Its been over 30 days since I have wrote them a letter stating my issue and I have gotten no response. I have contact the companies that have ran inquiries without my consent and Experian. I DID not authorize none of these inquiries. Experian is refusing to investigate the matter. There has been no action take on Experian or these companies that ran unauthorized inquiries since my request. I have unauthorized inquiries and I want to know why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to XXXX, XXXX, and Equifax. The credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions : rules The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to? 

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
Company: EQUIFAX, INC.
State: NY
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 called the credit reporting agencies letting them know the inquiries and the documents included below are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip thank you

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 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had a corporate credit card with Capital One since XX/XX/XXXX under my current business and for several more years before that under my own name. In XX/XX/XXXX of this year ( XX/XX/XXXX), I was late in making my payment which was due on XX/XX/XXXX. I made a partial payment on XX/XX/XXXX and contacted Capital One to let them know that I was experiencing a financial hardship and that intended to make an additional payment soon, which I did on XX/XX/XXXX. My payment was only 11 days late. During that time, Capital One raised my interest rate from 19 % to 31 %. I contacted them again in XX/XX/XXXX to ask why the interest rate was raised. I was told that it was a penalty rate that would continue to be in effect for one year. I asked if there was anything I could do to have the interest rate restored to its previous rate and that the new interest rate was causing a greater financial hardship. The interest alone for the month of XX/XX/XXXX exceed the amount of my previous minimum payments. My minimum payment due for XX/XX/XXXX was {$620.00}. The minimum due for XX/XX/XXXX ( excluding the {$620.00} that was included in that amount as the payment was late ) was {$920.00}. The minimum payment due for XX/XX/XXXX is {$870.00}. Capital One told me there was nothing they could do ; they do not have the ability to lower an interest rate. I contacted them again on XX/XX/XXXX to inform them that I would not be able to make the minimum payment due of {$870.00} on XX/XX/XXXX. After speaking to three different individuals in their business services section, I was informed that Capital One only raises interest rates, as they have done on my card, when a customer has three late payments within a year 's time. I explained all payments have been made on time and that this was the first time the payment was late ( I can provide payment history dating to XX/XX/XXXX that proves this to be the case ). The representative could not explain why my interest rate was raised in this case, but did say there was nothing they can do. I am not able to keep up with the minimum payments on this credit card and feel that I have been unjustly taken advantage of by Capital One despite my attempts to communicate my situation with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip thank you

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 2021-06-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Synchrony Bank opened a savings account in my name. I found out when they sent a letter to my home saying they were going to close the account a month after opening the account. 
XXXX XXXX XXXX XXXX Texas had an application for a business loan in my name. They were in the process of denying it and take it off my credit report as a result of my conversation. 
XXXX XXXX was about to open a credit card in my name in New Jersey. I called and was able to get the account denied as fraudulent.

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 2020-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Overcharged for something you did purchase with the card

Complaint:
I purchased a purse on line from XX/XX/XXXX. The date was around the last week of XXXX. I used my B of A card ( debit card ) for this transaction. 
The transaction showed on my statement as a pending charge ( 3 ) times when I only purchased and received ONE purse. 

I called B of A and was told ( 1 ) one charge was coming off the other would be investigated. They asked for documentation and I provided the documentation TWICE. They only respond via regular mail. The letter does not include a phone number nor email for the B of A dept handling the dispute or investigation. There is a fax number only. I am XXXX yrs old. I do not have access to a fax. I have had to travel out of my home TWICE to the post office and ONCE to my local B of A branch. During COVID this is a risk for me as I suffer from XXXX. 

This PENDING charge on my debit card reduces my available funds and I am on a fixed income. 

B of A has responded and issued a " temporary '' release of the funds and has requested documentation AGAIN. I don't know what else they need. I have documentation from XXXX that they only billed me ONCE. 

I can not afford to keep going in circles with B of A. The department writing the letter hides behind the letter with no phone, extension and or email. There is not even a representatives name. I have documentation that EVERY time I reach out to B of A I am speaking to someone new/different. THIS WILL NEVER BE RESOLVED. 
I can not afford to lose money at my age and I can not keep venturing out of the house during time of COVID. 

Please help me. If a representative from your office reaches out I prefer XX/XX/XXXX speaking. I am XX/XX/XXXX but am most comfortable in XXXX. - I requested help in filing this complain in English.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX 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 2023-04-19
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
US bank is asking to verify my account since there are fraud anomalies on my account. One I haven't used my card for anything except for groceries or gas but that was a month ago. because I am paying off the card this year. They are asking me to send them my personal bank statements, tax forms, social security card, and other info such as DL via mail. I wouldn't mind sending my DL, but send my social security card, tax forms, and bank statements in the mail. I keep calling to get to the bottom of this, every single time I call so far every representative hangs up the phone when I asked if I can omit some info from my bank statements/tax form since I have had my identity stolen before. Plus they can not tell me why they need my statements or why they need to see what I am spending in my daily bank account. This has nothing to do with my credit card. Nor will they give me a fax number to send in the documents. This is sooooo unfair and very unprofessional and I just want to rectify the situation. The employees need to be trained better on how to handle the situation.

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 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I entered into and investment contract with " XXXX XXXX  '' ( the " Company '' ), to transfer {$120000.00} USD. Entering the online trading sphere comes with many hopes but due to Company 's shady activities and dealings, I lost my money within a very short period of time. I advised Bank of America of this fact on XX/XX/2021 and have not received any satisfactory response so far. Bank of America could have protected me from this. Unlike me, the bank knows about the existence of such scams and how they prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made by Bank of America to contact me regarding my transactions. The treatment from Bank of America is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.

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 2023-09-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep frustration and concern regarding the repeated attempts I have made to rectify an inaccurate late open account listed on my credit report. Despite my persistent efforts, this discrepancy continues to have an adverse impact on my creditworthiness. I am writing this letter to bring this issue to your attention and request a swift resolution. I initially submitted a dispute regarding the inaccuracies associated with the late open account, DEPT OF EDXXXX. I provided all pertinent documentation to support my claim. I filed a second dispute concerning the inaccuracies associated with the same late open account, DEPT OF EDXXXX. I included supporting evidence to substantiate my dispute. 
I am fully aware of the critical importance of accurate credit reporting, as it significantly influences my ability to access various financial services and opportunities. The continued presence of this incorrect late open account on my credit report has caused substantial financial harm, including higher interest rates and difficulties in securing credit. 

I kindly request that your bureau takes immediate action to conduct a thorough investigation and correct the inaccurate late open account, DEPT OF EDXXXX, from my credit report. Additionally, I urge you to provide me with a written explanation outlining the steps taken to rectify this inaccuracy, along with a timeline for its correction. Clarity regarding this process is essential for me to understand when the issue will be resolved. 

Should this inaccuracy persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. This DEPT OF EDXXXX XXXX XXXXXX/XX/2018 Balance : {$68000.00} should be corrected right away by Equifax and XXXX Credit Bureaus .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: I.C. System, Inc.
State: OH
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:
Reporting debt that is incorrect ; not my debt ; and incorrect date of original date. And company reports wrong date debt was incurred by someone other than 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 explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: NV
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 recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help 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 explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/2018 I canceled my cellular service with XXXX XXXX XXXX in the middle of the billing cycle. They verbally informed me that I would be billed for only 50 % of the month of service. I relied on that verbal agreement. When the bill arrived they billed me for the entire amount of {$180.00}. I called to complain and they said it was their policy to bill through the end of the billing cycle. I reminded them that they made a verbal agreement with me to bill be for 50 % ( {$93.00} ). They refused and turned me over to a collection agency when I refused to pay the full bill.

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