BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: AZ
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 following creditors has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
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 account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau 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 remove the following inquiry completely from my Credit Reports : XXXX XXXX XXXX XXXX Experian

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 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Recently on the news Bank of America was overcharging for fees and over drawn accounts. I have had a checking account with Bank of America for over 5 years and it was a big problem up until a year ago. I want to be able to be compensated for the money that was taken out of my account and used in their company. I want to file a class action lawsuit and get my money back that I earned by working.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX, XX/XX/24, I received a notification on my phone, from Bank of America, regarding a fraudulent charge to my account. The charge was for {$50.00}. I responded via text that NO, I did not authorize the charge. Right after that, I received MULTIPLE phone calls from the Bank of America phone number XXXX. I was already panicked about the fraudulent charge, at my elementary school where I work, WORKING ... .and with the amount of times that my phone rang DIRECTLY FROM A BANK OF AMERICA LINE... I finally picked up. 

The gentleman on the other end of the phone impersonated a bank employee, listed off a fake employee number, and told me that there was a large XXXX transaction that had been made, fraudulently, and that I needed to put in these codes to " retrieve my money ''. That was a lie. I was already stressed with work, getting my son to school, a fraudulent charge, and so I wanted to remedy the fraudulent XXXX charge as quickly as possible. My mistake, I didn't think that someone could tap into a SECURE LINE with Bank of America to commit fraud. {$2400.00} was stolen from me by someone impersonating a BOA fraud representative from the very same number that is the ACTUAL fraud number for BOA. 

I submitted all information to Bank of America and just received a letter that stated that my fraud claim is being denied. 

Bank of America is not holding itself responsible for someone hacking into their secure line and taking advantage of their customers. The language that they use to warn against fraud is limited. They don't care that someone is literally using their phone number to conduct business. Millions of customers trust BOA with their money, their credit, their savings, and their lives. How can we trust a bank that won't take responsibility for their security shortcomings? They KNOW that this is happening and they are doing nothing. I have been a BOA customer for upwards of XXXX years and I am appalled at their lack of concern.

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 2022-12-21
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XX/XX/2022, I received a Navy Federal Credit ( NFCU ) credit card of which I did not apply for, on or about XX/XX/2022 I received a credit card statement in the amount of {$7500.00} XXXX immediately telephoned NFCU to report the suspected identity theft to which they said they would look into it, they also advised that I alert all credit reporting agencies of the situation. During that call the customer service rep indicated that I complete a Declaration of Forgery/Fraud document and return to them. I completed the form and returned along with the unused credit card, the statement and sent via XXXX certified return receipt. 
I have received the XXXX receipt indicating that the documents were received however I received the next month 's statement, upon receiving that I telephoned again and explained the situation and they claim that the did not receive the documents and suggested that I send the Declaration of Forgery/Fraud via email of which I did. 
I have now received a letter from NFCU stating that legal action will be taken as this account is in arrears. I have reached out no less than XXXX times to NFCU for relief asking that this matter be rectified, and my credit be restored, and this account be removed from my name along with a letter indicating such. 
I am seeking relief and guidance to clear my name and credit of this unauthorized use of my name and information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
on XX/XX/2023, I made several calls from phone number XXXX, I wired settlement funds in the amount of {$110000.00} to a corporate credit card ( I sent the wrong number, I meant to send it to my checking account ). 
The issue is that they keep putting me on hold and refuse to send the money back. THis is VERY urgent and would like assistance as soon as possible. I was left on hold 3 times for 40 minutes each. No songs, no person, they would leave. 
They are trying to keep my money. I know they are struggling, but didnt expect this. 
I now am calling and cant get anyone on the phone. 

THey have my money in an account i can not access and they keep putting me on hold. Very intimidating and predatory behavior.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-09-03
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A utility account from XXXX XXXX was opened on XX/XX/2023 and closed a month later. address used was XXXX XXXX XXXX XXXX TX XXXX, account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1.00} ; XXXX XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$2700.00}.

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 2022-12-21
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX DISPUTED : XXXX. XXXX XXXX XXXX XXXX  ON XX/XX/2022 I SENT EQUIFAX A CERTIFIED LETTER REQUESTING THE Method Of Verification Using FCRA 611. I RECEIVED XXXX LETTERS DATED XXXX XXXX, NONE OF THE LETTERS CONTAINING THE INFORMATION REQUESTED. 


EQUIFAX HAS YET TO RESPOND WITH ANY OF THE INFORMATION I REQUESTED. 

AND THE XXXX DAYS THEY HAD TO RESPOND HAS EXPIRED EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BY FAILING TO PROVIDE ME WITH THEIR METHOD OF VERIFICATION. THEY ARE ALSO IN VIOLATION OF SEVERAL OTHER LAWS LISTED BELOW : 15 U.S.C 1681 a.1.a 15 U.S.C 1681 ( a ) ( 4 ) MY RIGHTS TO PRIVACY 15 U.S.C 1681 ( b ) DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO I THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION. 

15 U.S.C 1681b ( a ) ( 2 ) NEED WRITTEN PERMISSION 15 U.S.C 1681 ( n ) - Civil liability for willful noncompliance. 


SECTION 609 OF THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] THEY WERE ALSO GIVEN 15 DAYS TO RESPOND. The FCRA says that you have to tell me this in 15 days if I ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Harley Davidson Financial Services 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:
My credit report is showing late payments to XXXXHARLEY DAVIDSON CR XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or HARLEY DAVIDSON 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Formal Complaint against Experian for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against Experian, a credit bureau XXXX for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to Experian, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with XXXX  and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$230.00}. 

The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to Experian requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt. 

Experian 's response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, Experian continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as Experian 's actions appear to be in violation of the FCRA. It is my belief that Experian 's failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities. 

In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that Experian adheres to its obligations under the law. I have attached copies of the certified letter sent to Experian, as well as any correspondence received from them in response to my request. 

Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act. 

Sincerely, 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 2020-06-05
Company: EQUIFAX, INC.
State: NC
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 am contacting you to work on resolving this issue as quickly as I can.

I sent in a identity Theft packet to report this matter it has been over 30 day and the issue still remains I ask that this item be removed from my credit profile this item is not mine and has truly effect my credit report and is preventing me from getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Information belongs to someone else

Complaint:
I recently reviewed my consumer report. There are many accounts on there I do not know where they came from.

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 2022-12-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2020-04-14
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called on XX/XX/XXXX asking if they was doing anything for people thats not been working related to COVID 19 and their monthly payments. The agent said all they could do was refinance my loan and push my payment to XX/XX/XXXX. I had forgotten about that call till I called today on XX/XX/XXXX asking if they was anything I could do for my payment for XX/XX/XXXX because I havent been working. Ive been trying to think of ways to save money to pay my main bills and several of my other accounts have all worked with me. I dont think its fair or right for them to only allow me to refinance my loan during this national emergency when no one is hardly working. I have filled for unemployment but that takes time as its still pending to this date. If I refinance thats going to mean my credit will be ran, my credit score will mostly likely drop, it takes two years for the hard inquiry to be removed from my credit. I just think Mariner Finance is taking advantage of people during this time saying all we can do is refinance your account. I have never missed a payment with them and have never asked to skip a payment. This is not something I like doing, because the faster I can get this paid the faster it will be off my credit and allow my credit to show positive accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
To whom it ma concern : The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C.1681 ( 1 ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory account 's allegations of inquiry ( ies ). Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( to my credit report ) immediately. I request that you send me physical documents providing your action ( s ) and my updated personal credit report following any correction ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
According to U.S. C 1681i ( a ) ( 6 ) and ( 7 ) I would like a the detailed steps taken to verify the accounts listed below. 
XXXX XXXXUPDATED XXXX XXXX XXXXUPDATED XXXXXXXX XXXX XXXX XXXXUPDATED XXXX XXXX XXXXUPDATED XXXX XXXX-UPDATED

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