BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted a fraud dispute through Bank of America because my card was used fraudulently. They gave me a provisional credit back in XXXX for {$270.00} I believe. They reversed the charges and my account was in the negatives. I called to speak to a representative to try to reopen the case in XXXX or early XXXX because my card was actually used fraudulently. I asked how long did I have to pay the money back? Because they were not trying to reopen the case. I was told that my account would stay open forever until I paid it. I was attempting to get the case reopen until I received a letter in the mail stating that my account was closed and XXXX be reported to 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 monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: IN
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 have unauthorized inquiries and a fraudulent account on my credit report. Inquiries XXXX, XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and 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 2021-06-11
Company: TD BANK US HOLDING COMPANY
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 got this account tha does not blong to me and i want it to be remove from my credit report. 


1. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am trying to pull my transunion report online and am simply getting " We're unable to complete your request online. '' and the only option is to call them and on calling them they can only snail mail me a report at 7 bubsiness days. 

I have called and the number listed on " call here since since can't do it online '' can't tell me how to resolve it online and can only mail be a report and can't tell me how I can get an online report in the future. They have me an online department number. Called them and they can only say " change browers '' which I did and tried to go both through annualcreditreport.com and transunion.com and both told me the same - no ability to get online report. 

Online department ended with " a supervisor will call you within 72 hours '' and at this point have zero expectations of getting a call and was just a way to get me off the phone. 

I can pull my online experian, and XXXX no problem but transunion is a no go and are not willing to help.

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 2023-02-10
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: Public record information inaccurate

Complaint:
I contacted the courthouse and was told that they did not report a bankruptcy to the credit bureaus but yet all three bureaus are reporting it. I have disputed this issue several times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: ALLY FINANCIAL INC.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I returned our leased XXXX XXXX to XXXX XXXX after making EVERYsingle motnthly payment on time for three full years. Two days after we left the car at the XXXX, Maine dealership, we were called and told that we owed Ally Financial {$190.00} to repair a 2 '' scratch on the rear panel of the car. We were surprised when they told us to leave the car on the side of the building because they were busy, and that no paperwork was needed to drop it off, so we actually took some pictures of the car before we left. When they called us, we disputed that there was a 'scratch ' on the car and told them we had photos to prove it. They said they had to repair the scratch and we owed them {$190.00}! We had two or three phone conversations with Ally and told them we wanted to see pictures of the scratch, pictures of the repair, and the repair bill proving that they actually did anything to the car. They said they had already removed the car from the lot and they did n't have anything to give us ; i.e, "  just pay it. '' We told them we would not pay it until they showed us proof that what they were claiming was true. The phone calls stopped and we assumed they did the right thing and dropped their bogus sham. We learned a month ago that they reported it to the credit burea. How can they just report bogus information without even providing us proof that the charge was valid? Because they know it was not. This is abhorrently wrong ; there was no damage and we have photos to prove it. Let 's see them prove their case! Please have this ridiculously nasty attempt at extortion removed from our credit report. 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 monetary relief
Consumer complaint received 2020-12-23
Company: APLUS INSTACASH LLC dba A+ FINANCE
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been with XXXX XXXX for over a year and have been making the payments on the credit builder loan. Recently the app has been taking my money but displaying that im behind on payments for the loan. I have been asking XXXX XXXX  for almost 3 months to fix my app they tell me over and over they are filing tickets or contacting supervisor or engineering and the app says im not paying. All i want is for the app to display the correct thing I have contacted my bank and they stated XXXX XXXX surely has the money. I have the bank statements. I have spent countless hours on the phone, in chat and emails asking for help and arguing about fixing this i have proof of those contacts as well still XXXX XXXX continues to take my loan payments but display im not paying. All i want is for my app to be fixed everyone says they are putting in for it to be fixed but still no one can fix it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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 explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: SC
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:
Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX  XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Navient Solutions, LLC.
State: ME
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have recently bellied up in a business endeavor over the summer which is leading me to have to proceed in filing for bankrucy. Both business and personal. I have lost everything this summer and barely can stand on my own two feet right now. 

My federal school loan collectors have called me as much as 27 times one day. I have spoken to them numerous times that I am unable to afford and pay my school loan debt at this particular time. Unfortunately, the harassment and calls have gotten even worse. 

I have applied for FAFSA as I am reapplying for college to finish my degree. I am o the cusp of filing for bankruptcy and I need these people to please leave me alone til I can get back on my feet. 

I have spoken with an attorney that has advised me to record and collect the daily harrassment, as well as recording calls ( when I do answer ) and emails that deem in an almost threatening kind of manner. 

My credit has been absolutely destroyed by defaulting on my school loans. I feel taking a federal loan for the prospect in obtaining a degree was a burden that has completely destroyed the next decade ( 7 years ) of trying to get a mortgage, or even to attempt to get a car loan in the near future. Without any credit, except reoccurring defaults, I feel destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received a text alert from Synchrony Bank fraud department ( the bank that runs my Venmo Visa Credit Card ) about potential charges. I denied the charges. 
I was alerted of XXXX charges at once via text ( XXXX ) I replied XXXX denying the charges {$170.00} a XXXX XXXX Over {$6400.00} at Dal Tile And a approved charge, greater than my credit limit, {$3200.00} also at Dal Tile. 
( My credit since I got the card Im XXXX of this year, XXXX, had been {$2000.00}. I received no notification or confirmation of this increase. Venmo told me the increase happened the day of the fraud charges ) I was auto called by the fraud department. I Denied the charges being me. The person I spoke to someone who needed to have me send a video of me and my ID in video via a link- the app link would not work and he could verify my identity in any other way. So couldnt get any info. 
I called Venmo to freeze my account and dispute the claim. After repeatedly being told I was not responsible for the charge- XX/XX/XXXX the charge went from pending to complete I called and sent messages to Venmo fraud department again and was denied any info about the case or someone to talk to about it and gather, and or give info. 

My statement showed the location of the XXXX charge from XXXX on my app statement. The location was XXXX VA I contacted the business and spoke to the store manager on XXXX XX/XX/XXXX. He said he has the persons contact info and was looking into and was going to verify the credit card number. As of today XX/XX/XXXX I have not heard back.

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 2023-10-01
Company: EQUIFAX, INC.
State: IL
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:
My pocket book was stolen a while back and whomever stole my wallet had access to all of my personal information. My social security card, debit cards etc. I recently checked my credit report because I begin to receive offer letters to resolve lines of credit I never obtained. Please remove these fraudulent accounts from my credit report. The Federal trade commission is aware of these acts. I have a report from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/XXXX, {$3400.00} was withdrawn by PFW Attorneys ( XXXX XXXX XXXX, XXXX NJ XXXX phone XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX account, Which is a joint account with my wife. to date, i have not received any letter or court invitation regarding this. they said I had a payment left over from XXXX and they said i could dispute it .i contact them too many times and they don't take any action usually hang up the phone on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: CA
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 Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has invaded my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: TRUIST FINANCIAL CORPORATION
State: KY
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 made a complaint on XX/XX/2020 against Regional Acceptance regarding a previous car loan and the account being sold to collections. Per Regional acceptance they did not sale my account. They only allowed for XXXX to handle my account. Which is completely fine by me. 
Since Regional Acceptance let XXXX handle my account, that means that XXXX can make decisions on there clients behalf. Which they did- when they agreed to a settlement of the amount of money owed, also the agreement of removal.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company continues violate my consumer rights by reporting inaccurate information on my credit file with this account. I have proof in the images below. This account continues to report like its open an has a balance but this account has not be active since XXXX which it a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
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:
My name is XXXX 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.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 got identity theft after I lost my wallet back in XXXX. Fraudster applied online with XXXX XXXX and the credit card was sent to a different address rather than my residential address. after a month, I was billed approximately {$1800.00} from XXXX XXXX. I called XXXX XXXX numerous time to report identity theft, yet XXXX XXXX still reports the card to credit bureaus which makes my credit score plummets and send me a letter asking me to pay for the card

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 2023-05-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint shall be labeled as a follow-up to my previous complaint. I want you all to remove the erroneous items in my file for they have not affiliated with me and are inaccurate. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
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 XXXXXXXX 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 non-monetary relief