BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: AL
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.

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. 

( THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHT TO PRIVACY ) XXXXXXXX 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 2023-09-10
Company: Kikoff Inc.
State: GA
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:
KIKOFF, They report late XXXX XXXX more then 2 months, false and inaccurate information l have emailed and no such help was giving. I am requesting this to be removed immediately or I will take further means. Violation of FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1. The following personal information is incorrect Account Number : Former : XXXX T XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXXXXXX XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

11. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX  XXXX 12. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX 13. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX 15. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX 18. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 2022-05-13
Company: Paypal Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/XXXX, I recd a msg supposedly from XXXX, who I have never used or signed up for that they dectected unauthorized activity. they wanted me to use http : XXXX to contact them. I did not respond. 

On XX/XX/XXXX I recd another msg from pay-pal, same msg, same email address. 

Today, I recd a msg. from paypal.com same msg and telling me to take the steps requested. this address is XXXX. 

As I stated, I dont use paypal but the last four digits are part of my Social Security #/ I am sure this is another scam and haven't responded to it. 

I have also in the past reported false claims of the same nature supposedly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: SC
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:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Nelnet, Inc.
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:
In accordance with the fair credit Reporting act Nelnet account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 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 2023-06-16
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TD BANK US HOLDING COMPANY
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:
Noticed an account was opened in my name on my credit report from XXXX XXXX XXXX. Was not me and a new inquiry from TD bank XXXX XXXX credit was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: M&T BANK CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Ive been a comprehensive business customer for 8 years for M & T Banks. On Thursday XX/XX/XXXX our {$500000.00} business line of credit was frozen without advance notice. The businessI received no disclosure. It was converted to a termed loan whose terms have not been shared, despite multiple requests for information ( requested XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Including today ( XX/XX/XXXX ). The first payment is due XX/XX/XXXX. Worst, all of this is due to an internal diligence mistake by which our relationship managers shared inaccurate XXXX performance data. 

M & Ts decision to convert my LOC and freeze access without notice to me had immediate consequences for my business. The lack of disclosure is especially concerning. Vendor invoices and employee healthcare premiums were linked to this account, and charges for both which were posted on XX/XX/XXXX did not clear. 

Pertinent information : XXXX. This business has never missed a payment of any kind - loan, LOC or otherwise- with M & T Bank. 
XXXX. The lack of disclosure or any formal communication has been called a perfect storm by M & T bankers in both a call and email called our lack of communication a " perfect storm '' both attached. 
XXXX. M & T Bank never requested updated XXXX financials prior to freezing the LOC. 
XXXX. M & T Bank cited XXXX years in losses for the freeze ( see attached conversation ). XXXX the business was profitable, {$300000.00} cash positive. XXXX is the only year showing a loss due to capital expenses. 
XXXX. Health of the business : XXXX. Positive balance sheet of {$200.00}, XXXX XXXX. XXXX in Q1 revenue - comparable to XXXX, XXXX and outperforms XXXX- which net {$300000.00} in income. 93 % of which ( historically ) comes in Q4. 
XXXX. Email to CEO ( XX/XX/XXXX ) and head of XXXX explaining major issue. 


Attached please find : XXXX. Initial emails and texts the day of to M & T. General distress outreach. Zero context in M & T responses. Attachments : XX/XX/XXXX comms, day of comms, day of comms XXXX, M & T Text - bank XXXX. 
XXXX. Questions with no response sent XX/XX/XXXX. attachment XXXX questions. 
XXXX. Rejected charges communicated to M & T Bank. Attachment : XXXX email rejected charges XXXX. XX/XX/XXXX First conversation with bank, 4 days after actually freezing LOC. Attachment is too large but conversation is recorded. 
XXXX. XX/XX/XXXX questions sent to bankers and banker asking for our patience and calling our communications a " perfect storrm '' attachment : muscato email m and t bank, XXXX XXXX. XX/XX/XXXX email sent to CEO. Attachment : CEO Email This is still without a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I cancelled my membership with XXXX  XXXX via letter in XX/XX/2019. When I noticed I was still being charged to my Bank of Texas checking account I went into a local branch XX/XX/2019 to advise and was informed by a banker that it would be looked into and addressed. Fast forward to the end of 2019 and while moving over to XXXX XXXX I receive a letter telling me I owe over {$600.00} in overdraft fees because they paid for my gym membership. A membership I cancelled and told would be looked into coupled with the fact that I optd out of overdraft protection to prevent this issue. A Regulation E investigation should have been launched so that I would have been protected. 

I paid the fees and obtained a paid in full letter but now I can not open a new account because they are reporting the account to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: FL
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 detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XXXX and XXXX XXXX, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B

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 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I logged on to my mobile app through Bank of America. I tried several times to do a mobile deposit for a check from XXXX. I would follow the steps, hit submit and it would come up with an error. I then used my husbands phone with the same app. It also had the same error come up. So I went to Bank of America ATM ( it was after hours so they were closed ) and deposited it. My statement stated that transactions would be covered on XX/XX/XXXX and funds would be available the next business day ( XX/XX/XXXX ). However, on Monday XX/XX/XXXX, it stated that 2 mobile deposits and 1 ATM ( for the same amount ) were deposited and now there was a hold on my check until Friday, the XXXX. Clearly a bank error. I called the customer service line and spoke with many reps that said that there was nothing they could do and couldn't release the hold. I went into the BOA location on Monday ( XXXX ) to make them aware of the situation and the branch manager advised me to return the following day when funds should of been originally released. On Tuesday ( XX/XX/XXXX ), the following day, I went back to the location, spoke to the branch manager and he told me that the mobile errors dropped off. He released the hold. I was able to use my account until Thursday, the XXXX, when the bank put another hold on my account, this time making my account with a negative balance. I went back to the bank and the branch manager spoke to BOA team and couldn't release the hold. He said they have a hold on it for 24 hours. But 24 hours passed and there is still a hold and a negative balance on my account. So on Friday ( XX/XX/XXXX ) I called BOA and spoke to two team members, one being a supervisor, and was told that there is a hold on the check until XX/XX/XXXX!!!!!!! Ridiculous. Because of a BOA error and no fault of my own or the other financial institution, my funds will not be available to me until 12 days after I deposited the check into the ATM. Every representative that I've spoke to says that there is nothing they can do. This is completely unacceptable! I am being penalized for a BOA 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 monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my 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 explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  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
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen at the time I couldnt even drive a car or purchase a vehicle I was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX 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 2023-06-16
Company: Professional Collection Service Inc (GA)
State: AL
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 discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXX Account # : XXXX Past Due Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1300.00} XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} XXXX Account # : XXXX Balance : {$31000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Jon Barry and Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have VA Insurance coverage, the bill was sent to my previous insurance company. Which then denied coverage. In XXXX I had provided all my new insurance information to XXXX XXXX XXXX XXXX XXXX XXXX I was told to disregard this bill. Since the VA pays all my bills, I should not have a balance. I have called to provide this information again to billing at XXXX XXXX XXXX XXXX, I was told they would take care of it. This Paragon Revenue Group has wrongfully billed me. I would like to have this debt removed from my account. Thank you!

Company response to consumer: Closed with explanation