BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
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:
This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXX XXXX THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o

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 2023-12-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is proof that XXXX XXXX has disputed this with Experian however Experian never responded. 
Experian refused to remove this item from my credit file

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 2022-12-31
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: Reporting company used your report improperly

Complaint:
This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXXXXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o

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 2022-01-19
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/22 I called Indigo credit card company. I am struggling to pay down and pay off a credit card. My husband is unemployed and had XXXX XXXXXXXX recently so has had to be off for some time. I am the only income coming in to pay our rent, water, electric and food. Not including the car payments and other bills, this is the only credit card I have. I have expressed this to them for the last XXXX months that we have been struggling. 

Each time I get paid I have only {$50.00} I can pay towards the balance and since its over the limit ( due to fees ) they charge {$40.00} ( used to be {$27.00} ) fee and interest on top. So my payment is meaningless and I am back in the same boat the next month. 

I have asked them if there is anyway to pause a couple months to get me caught up or anything they can offer for assistance and they have nothing. They offer to waive one fee after I pay the balance down. 

At this point it is ruining my credit and my chance of getting it better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 am writing to formally submit a complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. 

I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

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 2022-12-31
Company: EQUIFAX, 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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: TX
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 did not authorize or consent. Nor did I gain anything from these accounts. I know as an consumer any inaccuracies need to be removed from my Credit Report. I have tried to fix this matter with Experian but they didn't remove these inaccuraices from my report. 

The inquiries are XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-12-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting.

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: WI
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:
I looked on my XXXX XXXX account and saw hard inquiries from different companies that I've never heard of and definitely didn't authorize to pull my credit. According to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rest are my open accounts. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: The CMI Group, Inc.
State: OH
Product: Credit reporting 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 rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2022-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a two-fold issue and I'll do my best to be brief. I recently made a mobile deposit of an {$1800.00} personal check into my checking account. The bank released {$500.00} of it to my account and held the remaining {$1300.00}. When I inquired with the bank as to why this money was withheld from my being able to access it, they stated that due to the number NSF 's I've had over the prior 12 months required the funds be held from access for 7 to 10 business days. They stated there was nothing they could do after I repeatedly told them that I needed that money released so I could pay my phone bill ( the only form of communication my family has ) and so I thanked them and hung up. 
I called back a few minutes later because I wasn't satisfied with my money just being held from me like that. This time, my complaint was sent up to the CEOs complaint desk, they took my info, and we hung up. 
In the meantime, I was curious about how many NSFs I actually had over the past year, since it apparently had some influence over my ability to use my account and access funds. I discover I had quite a few, which was not surprising XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was a struggle to keep money in the account and keep bills paid. I burned up every cent of my savings and retirement to keep my family fed. All the while, as I'm struggling to keep money in the account, the bank is taking a {$29.00} fee from me for each occurence, culminating in {$840.00} in fees removed from my account over a year and a half. 
The next phone call, I spoke with the CEOs Manager of Customer Complaints and I'm told once again that theres nothing that can be done to release my money, nor can they give me back the {$840.00} in fees. They agreed to refund XXXX of the fee " occurences '' and no more. I told them that I was taking my business elsewhere as soon as was feasibly possible and we hung up. 
My complaints are : 1 ) That I have to be " punished '' by the very institution that holds my money by being forced to wait an unreasonably long period of time to access available funds. 
2 ) That a financial institution went back on their word by not doing everything within their power to take care of a financially struggling customer by choosing to keep {$750.00} in fees that they could have easily relinquished. 
I feel that my bank, a bank that that states publicly that they take care of veterans and XXXX XXXX personnel, took advantage of my situation for monetary gain. And added insult to injury by not giving me access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: TX
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my checking account on XX/XX/2021 and have yet to return my money {$5600.00} and said it was a process in which I had to wait 10 business days which I did. I called back in 2 weeks on XX/XX/2021 and was told my account is in a holding stage and I had to wait on a review. Waited again more than 10 days called back was told its still in process and they had the right to do and theres no timeframe. Told them I had a medical condition concerning bad XXXX and they still denied my request. Called back on XX/XX/2021 and was told the same thing, Review hasnt been completed. Called back today in 10 days asked to speak to a manager or supervisor and was told there is no update that I must continue to wait.

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 2023-12-08
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:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 2022-12-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a bill in the mail that was a 60-day past due bill for a student loan that was supposed to be in grace period ( I graduated in XXXX of XXXX with my final degree ). The last notice I received stated that the covid extension was ending soon but I was still in school so I should not have had a payment, regardless. This was early XXXX. I had not once received notification that a bill was due, and would have gladly paid it on time if I had received it. Instead, the bill was past due when I had no prior knowledge a payment had been due. I was contacted by the university instead after the fact. I attempted to contact XXXX by phone, of which I was on hold for almost 2 hours before hanging up. I instead called the university and they stated that XXXX had attempted to contact me by mail and school email in which I have not had access to in almost 5 years. I still receive mail at the address that was provided and as stated above I have not received a notice from XXXX about a payment due, but a letter from XXXX  XXXX XXXX when the bill was already 60 days past due. I asked why another notice wasnt sent by the school before it got to the point of being past due if they are able to handle the same matters, as to which I was given no explanation. I paid the past due amount a few days ago, which is not a problem. But I was informed that the past due status was reported to the credit bureau on XX/XX/XXXX, again, with no prior knowledge on my end of a bill being due by mail or by phone. When I asked the representative at XXXX  XXXX XXXX if she can assist with removing this from my report she stated that I would have to file a dispute. I would like this removed from my credit report. I have never missed a payment to any creditor, and this will negatively impact my credit report and corresponding score. Also to note, I check the federal student loan website pretty frequently and it never updated to indicate there was a payment and how much.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: LA
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:
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.

has violated my rights. Or a list of inquiries : 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