BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has not updated my credit report as they are still in violation. And they are making it difficult for me. According to this law, they are breaking every rule in the book 15 USC 1681 a ( 2 ) ( A ) ( ii ). They have no right to put me through this turmoil. So I as that you CFPB, make them follow the law as, they are breaking them right in front of you. It is illegal and the practices that they are doing to my consumer report is a violation of the law once again is 15 USC 1681 a ( 2 ) ( A ) ( ii ). Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or CONSUMER REPORT-MEANS ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. PERSON MEANS : the term person mean any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Therefore I am a person and a individual! And they have violated the law. THEY ARE NOT CREDIT WORITHNESS BECAUSE THEY ARE BREAKING THE LAW.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am a person/individual and they are still breaking the law!

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 2022-05-22
Company: LendingUSA
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: Information belongs to someone else

Complaint:
This complaint is in 3 parts sense it involves XXXX different companies ( maybe ). 
Part 1 : XXXX XXXX XXXX ( XXXX  ) ; currently I am having a problem with the IRS and a notice went out to all tax accountants in the land by law ; well I received a call from XXXX on or about XXXX XX/XX/XXXX telling me how they can fix my problem with the IRS. The Rep said he can a XXXX debt to a XXXX settlement for XXXX just simply hung up. So tried to call XXXX back, but no answer, I tried calling the for days, weeks, and never herd from them again. 
I called the IRS about later and the IRS never had XXXX listed listed on my form XXXX authorization to perform as Power of Attorney, nor have they heard from them ; there has been no settlement reached or discussed. This is a pure scam involving one company trying to act as three or what. The two financial companies are demanding payment; PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was made aware by looking at my credit reports, and Chase Bank that a couple of account XXXX and XXXX was charge off. But I never received a XXXX as a result from Chase. They saying the accounts are charged off though.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
a six year old check ( XX/XX/XXXX ), was deposited in a XXXX XXXX XXXX in Florida, XX/XX/XXXX and taken out of our BB & T bank, XXXX, Pa. without our authorization. 
We have a Fraud case NO. XXXX with BB & T. We have tried to find out what is happening ( as we froze this checking Acct. ) and have no answers from anyone. 
XXXX XXXX from BB & T ( XXXX, pa ). is handling our Case. XXXX. We were in this XXXX XXXX office XX/XX/XXXX and could n't see her. She called us the next day saying she was going on vacation and XXXX would find something out and call us this past week To this day no response. A relative in Florida lost this check and we feel we voided it as it was XXXX XXXX XXXX in XX/XX/XXXX, and replaced the check. We are long time customers at the XXXX, Pa. Bank. We appreciate whatever you could to help us. 
Thank You 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 2022-07-08
Company: LEXISNEXIS
State: IL
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:
In accordance to the Fair Credit Report Act XXXX  XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct or remove them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I AM WRITING THIS IN ORDER TO HAVE MY PERSONAL INFORMATION UPDATED TO FULL ACCURACY, THE CURRENT EXPERIAN CREDIT REPORT IS NOT AT MAXIMUM ACCURACY DUE TO AN ADDRESS ON THE REPORT WHICH IS NOT ASSOCIATED WITH THE CONSUMER. 
I HAVE CONTACTED THE EXPERIAN DISPUTE AND FRAUD DEPARTMENT MULTIPLE TIMES THEY HAVE BEEN INCOMPLIANT TOWARDS THE CONSUMER AND HAVE VIOLATED MY CONSUMER RIGHTS ON MULTIPLE PHONE CALLS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account and a debit card associated with Bank of America. 

In XX/XX/2022, there are multiple fraud charges on my card coming from a city in XXXX. 

I am a resident located in XXXX, XXXX and I have never left XXXX. I also don't have anyone known or have relationship in XXXX. I have never been to XXXX which can be proved by my passport. 

The debit card was kept in a box at my home all the times. I am a credit card user and I only carry XXXX credit card with me when I'm outside. The debit card is not even in my wallet. I have only used the physical debit card one time in 2022 before the fraud which is XX/XX/XXXX for cash depositing. Then the fraud charges appears on XXXX. 

The facts above leads to a reasonable doubt that the ATM machine I used for depositing has been illegally modified and my card has been cloned. BOA does not protect it well against the criminals. I made the deposit at the official BOA drive-thru ATM machine located at XXXX XXXX XXXX XXXX 

Cleary these charges are not authorized by me or anyone I know. All of my previous charges comes from XXXX and this is my first international charge in XXXX. Based on my account history, it is obvious that these are fraud charges. 

Regrettably BOA denied my fraud claim and decides to put {$800.00} charge back to my account. BOA believes " The charge was authorized by you or made by someone who has permission to use the card or account ''. I don't see a single evidence or reason that supports this decision. 

As a loyal customer with BOA for 7 years, I am very disappointed at this time. As a well known bank, it can not protect its own ATM machines and tries to put all the responsibilities to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
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: Account information incorrect

Complaint:
Equifax has caused my credit score to drop by XXXX points. On XX/XX/2022, I paid my XXXX balance on my XXXX XXXX credit card. 

Today is XX/XX/2022, Equifax has negligently continued to post on my credit report that I owe XXXX. I never paid the full amount. 

Equifax needs to be investigated because the company is blatantly lying about my payments to XXXX XXXX. 
My credit score was XXXX, Equifax caused XXXX points to be deducted. 

I need Equifax to restore all my points & apologize for negligently reporting I owe a XXXX Balance on XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: IL
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 received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account : 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 2018-05-11
Company: Bread Financial Holdings, Inc.
State: GA
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:
My XX/XX/XXXX statement was paid in full as every credit card, including this one, ALWAYS are. The payment due did NOT reflect on the account so when the next statement came it was not accurate. I could see the electronic payment was posted when looking at my XXXX XXXX account but it was NOT showing up on the PayPal credit account online. As a result the next statement was inaccurate and included late fees and interest AND an inaccurate balance. 
XX/XX/XXXX 's statement was not correct despite a conversation with a CSR who had, at the time, removed the fee 's and interest BUT still had not applied the payment. This continues ( although now, all of a sudden, that payment from XX/XX/XXXX 's statement, applied in XX/XX/XXXX magically appears ). 
I have repeatedly requested a fee and interest fee final balance so I can pay it and move on but have NOT received a reply, in writing, that I requested. 
Additionally I requested that the account be closed BUT they continue to allow new purchases to apply so they have not closed the account. 
They do not respond in writing as requested and have taken no action. All this over what is well less than a {$50.00} " actual '' balance that is now over {$100.00} due to fee 's and interest being charged. Its unacceptable and I need your help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: In progress
Consumer complaint received 2023-07-09
Company: United PanAm Financial Corp.
State: SC
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:
XXXX openly advertises pre-qualify with no impact to your credit score on its website and further reading of disclaimers state that no hard inquiry shall be made unless you proceed with purchasing a car. On or about the week of XXXX XXXX I visited XXXX website to look at vehicles and get an estimate of payment information. I emphasize estimate as none of the details provided to me were final and no attempts to purchase were ever conducted by me. This was all information provided under the pre-qualification guidelines, which was fine as I had no intention to purchase and certainly did not want the hard inquiries on my credit file. 

All was fine until I received mail notification that 3 separate hard inquiries had been placed on my credit file during that same time span. The inquiries are listed under United Auto Credit Co, which at the time, I had absolutely no knowledge of and certainly did not give them permission to run my credit. Attempts to contact the company have proved fruitless as they never return calls and bounce you between representatives who can not help. After further researching United Auto Credit, it appears that the company has recently been purchased by XXXX. Now, those inquiries make sense, however there are still unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX I write checks to many companies. My bank is Citizens Bank. XXXX XXXX company deposited checks XX/XX/XXXX. They scan and deposit like many companies. Somehow by mistake, XXXX XXXX redeposited XXXX of the checks from XX/XX/XXXX physically through teller. My bank cleared it again. When I call to clearify what has happened, one of their supervisor told me they do not have system to stop this yet. They will refund my account 24 to 48 hrs. Thats not my problem. My problem is that big banks does not have this fail safe system set up to stop such a happenings, it is literally scary. So anyone or any company could redeposit checks that is already scan for deposit it will get clear and they will have double the fund and consumer will be out of money for the time until bank or somenone catches it. If someone wanted to fraud you, they could redeposit scanned check and run with it. Citizens Bank supervisor told me, not only their bank but other banks do not have that system. Now this is really scary to consumer like me. Big banks should have thought about this when they did photo image depositing. What were they thinking?!. Honor system. This is my problem and it should be with others too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
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:
Experian has allowed XXXX XXXX to remain on my account as a negative item with no documentation or proper records and refuses to remove this. I have given explanation as to why - no knowledge and no, this account is not mine. It is sitting with someone elses name ( XXXX XXXX ) who I do not know, nor have I ever shared an account with anyone by this name. This needs to be removed. The company never provided actual documentation or evidence to support this account and experian allowed it to remain and gave a generic statement when this was disputed previously.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-05-22
Company: Experian Information Solutions Inc.
State: DE
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 had disputed these lateness well over a year ago and the lateness was removed just recently XXXX XXXX without notice reported the lateness back on my credit report along with sending past statements that I didnt ask for. Several years ago I reported to XXXX  XXXX that I didnt apply for their credit cards I explain to them that while I was sick my home was invaded with people to help me at my home while I was getting better. The company refused to except that I didnt use the credit credit. So I had no choice but to pay the credit cards and to except what the company said that I applied for the cards, now XXXX XXXX is putting late charges on my credit report again. Im sending mail from the house that I lived in during the time that XXXX XXXXXXXX claims that I applied for the credit cards. 

The lateness is not mine and should be removed. 



I was living at XXXX XXXX XXXX XXXX XXXX MD XXXX During the time that these cards were applied for Please remove the lateness from my report. 

Someone used my information to get the credit cards and your company refused to remove the information and to take the credit cards off my report Im still paying the cards and some cards are in default that are not mine.

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 2022-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.15 USC 1681 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 an account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation