BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 opened an credit card acccount with Bank of America based on a zero ( 0 ) %  finance charge for 18mos on a balance transfer. When the account was established my line of credit was set at {$7000.00}. On or around XX/XX/2020, Bank of America lower my line of credit to {$5000.00}, without any notification or justication. I have never missed any payments, have have excellent credit score above 747, no deliqencies or bad debt listed on any credit reports. 

Bank of America had refused to acknowledge or justify the lowering of line of credit, told me they would have to place an hard inquiry on my credit profile to increase line of credit. 

I believe Bank of America decision to lower my credit was based on racial annums and profiling and targeting of XXXX American consumers. Bank of America offered balance transfers with high line of credit only to turn around to lower consumer line of credit with full intention to lower consumer to affect their debt to credit ratio and lower their high credit scores. 

In addition, Bank of America has been charging late fees for ontime payment fraudlently over charging their customer fee. 

I want to file a formal complaint against Bank of America for targeting minorities with high credit scores and intentionally using their product to lower credit score by  lowering credit limits without legal justification and notication to consumer.

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 2022-07-26
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$23.00} XXXX XXXX XXXX XXXXXXXX Balance : - U S DEPT OF ED/XXXX XXXX Balance : -

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 2023-02-06
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX Bank XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX. XXXX Michigan XXXX. Any information contrary to my name and address is incorrect and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: FL
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 right have been violated. 

XXXX XXXXXXXX Account : # XXXX & XXXX  XXXX Account # : XXXX These accounts are being reported inaccurately and by law everything must be 100 % accurate across the board. 

The laws are clear : 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 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. 

With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. 

And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. 

Shows blatant violation to my rights based on the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: First Technology Federal Credit Union
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not liable for the debt with XXXX XXXX XXXX  I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account. As a result, first tech Federal credit Union also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.

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 2022-07-26
Company: EQUIFAX, INC.
State: VA
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 Account # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights XXXX Account # :XXXXhas violated my rights XXXX XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT EDXXXX Account # : XXXX violated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Protofolio Recovvery Associates LLC keep sending me a debt acct # XXXX I sent them a letter asking them to verify the debt which they have been unable to provide me with what i have ask. They have also refused to remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX capital one data breach class action settlement. I contacted capital one to find out if I was a class member because I was never notified. I was told I was I was notified by email on XX/XX/XXXX. I did not received email notifying me about the data breach class action settlement. I still have all my emails from XX/XX/XXXX. Capital one did not properly notify me that I was a class member, I did not have a fair opportunity to join the class action lawsuit. I have called capital one and they said thats theres nothing they can do to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX This company claims that i owe them {$150.00} for services that i have not used or agreed to sign up for. I have received multiple phone calls even after i have asked them to stop. They have called from different phone numbers attempting to collect money. I expressed to the company that i do not even live in the area where they are claiming to be calling from. Please delete and remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
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:
Hello, I took the time out t call and reach out to XXXX, equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers. 

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 explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Letters sent on XX/XX/2022 describing violations of my consumer rights by credit bureau. There has been no correspondence to the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Navient Solutions, LLC.
State: NV
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX NAVIENT  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One has committed fraudulent and misleading acts in relation to a secured credit card account I opened in XX/XX/XXXX, ending in XXXX. I applied for and opened a SECURED credit card, and deposited {$200.00} which set the limit for my credit. I intentionally chose to open this secured credit card because it gave me the power to add to my own line of credit at my own convenience. Capital One, WITHOUT MY CONSENT, upgraded this account to an unsecured credit card and refunded my deposit, effectively taking away my power to add to my own credit line. I did not want or consent to this upgrade, and was never given prior notification or the ability to opt out of this upgrade. I was also never clearly informed that the account I thought I was opening had a mandatory upgrade built into it. I never would have opened the original secured card if I had known this was the case. 

On top of this aforementioned problem, the secured credit card account that I opened, which now no longer exists because I dont have a secured credit card where I can add to my own line of credit at will, had an alleged late payment reporting in XX/XX/XXXX. This late payment is still reporting on the current unsecured credit card, as though the two different credit cards are the same product. Clearly they are not, because if it was the same product, I would be able to deposit more money into the account to raise my own credit limit. I have been repeatedly denied credit limit increases and am extremely unhappy with the current state of this account. 

The current Unsecured Credit card has had 0 late payments since the non-consensual upgrade, yet it is negatively reporting as was 30 days past due date and it is negatively affecting my credit score, as well as causing harm to my personal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX CREDIT BUREAU ; Every month I question the validity of this account. There is no way that this account was indeed verified- it's unverifiable and incomplete. Again, Im not sure who to take this to anymore, but I have disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and lack a thorough and in-depth investigation. Ive disputed and I have not received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. I'm extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable information. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2023-10-15
Company: OneMain Finance Corporation
State: AR
Product: Credit reporting 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:
I do not have no knowledge of these inquiries these hard inquiries involve identify theft that has to be removed no more then 4 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 anxiety. 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 2022-11-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A travel agent requested a deposit of {$460.00} for a cruise, which we paid with out credit card. In XX/XX/2021, we paid our final payment on the cruise of {$2600.00}. We authorized travel agent to charge these two amounts at this time. In XX/XX/2021, a charge of {$2600.00} was made on our credit card, which we did not authorize. Credit card company stated that we purchased another cruise cabin for another guest, which again we did not authorize. The amount of {$460.00} was also never reflected on the final bill summary that we received for the cruise. Several disputes were made by us and the credit card company denied them all.

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