BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-05-17
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I have notified XXXX XXXX on XX/XX/2022 that they are furnishing information to all three consumer reporting agencies that I have given them no written instruction to do so. By furnishing this information to the consumer reporting agencies XXXX XXXX is violation my right to privacy as a consumer. I have the right as a consumer to opt out of any information being reported to the consumer agencies and XXXX XXXX never provided the disclosure informing me of that information nor did they give me the opportunity to opt out before disclosing this information to a nonaffiliated third party. Below I will provide the law! 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2019-07-01
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XXXX, 2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.

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 2023-07-03
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It XXXX Concern : I received another copy of my credit report with the intention to trying to improve my credit and noticed their was not an complete update to my credit report on the previous reported claim with lender. I know the information associated with the account is not correct and needs to be updated or DELETE THE ACCOUNT. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. Again, since XX/XX/XXXX the account was supposed to be closed since the received mailed letter. In turn that means any charges after XX/XX/XXXX, the closing date of the account NOT ANY DATE AFTER XXXX, should be removed and/waived off the CLOSED ACCOUNT. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date.

Please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last XXXX : XXXX Closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. THE DATE IN XXXX WAS A LATE REPORTING FROM XXXX XXXX  NOT THE ACCURATELY REPORTING THE CLOSING DATE OF THE CLOSED ACCOUNT BACK I. XX/XX/XXXX. 

Remove any late payment dates AFTER XX/XX/XXXX LETTER STATED THEY CLOSED THE ACCOUNT ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account IN XXXX ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was CLOSED PER MAILED LETTER FROM LENDER ). 

Change the BALANCE and AMOUNT PASS DUE on the credit report from {$0.00}. ACCOUNT WAS CLOSED ON XX/XX/XXXX PER MAILED LETTER CUTTING A CHECK SHOWING ACCOUNT WAS FULLY PAID IN FULL ). 

In addition, the reported misinformation on my credit report as stated above as of XX/XX/XXXX is attached. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX Va on 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. The Office Manager said it will be more than {$4000.00} for the total procedure and almost {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX so I asked if they do financing. She asked for my Driver 's License and secondary ID but didn't say she was applying for CARE CREDIT -SYNCHRONY on my behalf. She later told me I was approved then gave me an appointment for XXXX which I cancelled cause I have no way to go back and forth since we moved considering I no longer drive and just relaying on my daughter and her husband. 
When I tried to make appointments in another XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va the representative said I already have a CARE CREDIT for {$760.00} but I didn't understand it. The cleaning and Xray procedure for me and my husband was to high so I canceled that appointment. 
I later got a bill from CARE CREDIT-SYNCHRONY for {$760.00} that I wasn't aware of so I called their fraud hotline and reported that I didn't get any procedure done from XXXX XXXX so that charge is fraud. I even explained to them in writing what happened. 
They then sent me another bill saying my claim is denied since I authorized it. I didn't authorized the charge since I never went back there. I authorized the office manager to apply for financing but I guess CARE CREDIT put the money going to XXXX XXXX without my knowledge but they are telling me I am responsible to make payments. 
I also called them again disputing the charge but they refused so I canceled the CARE CREDIT CARD SYNCHRONY but they said I'm still liable to the charge of {$760.00} I also put in a complain with XXXX but CARE CREDIT SYNCHRONY refused to remove the charge of {$760.00}. I am now having anxiety over this cause I didn't benefit from it although I'm making payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
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:
Despite multiple written requests, the unverified account listed below continues to report late payments on my credit report. 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 customer service representative. 

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 non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance :

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 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Ok so My money has been stuck in look with Bank Of America for 3 years. An amount for XXXX XXXX in my checking an and another XXXXXXXX XXXX in my saving. I had been looking for other banks and thought Bank of America would be a could place to store money but XXXX days later they closed both my accounts Im not sure if one of the associates did something with my account but I went in to get a new card and she set me down to discuss about opening and advanced business saving account which I did. Then 2 days later I get a later saying my account being closed and saying my money will be sent in the mail. But after countless months I am still getting the run around for the check. I had a chance to speak with a higher up to see what was going on and they told me they were still investigating funds after 3 years which is insane even do to the fact I can just go to the bank and verify all information needed like Ive insisted on doing. Also I was told the last time my account was closed for overdrafts fees so I know theres something not being done right on there end

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to retrieve my credit score or report from Transunion. It is causing me frustration, with understanding where my credit score stands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fee when the account had money. No explanation was given. A customer service hung up on me. Another one gave no explanation then proceeded to try to transfer me to her supervisor for 20 minutes

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 2023-03-01
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:
XXXX XXXX XXXX XXXX. Amount : {$38000.00}. XX/XX/2022. The information they are reporting on my credit report is inaccurate. I reached out to the company and requested a copy of the contract and any consent forms with my signature but to no avail. 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 an account without my written instructions. 

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate

with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1666 ( b ) states billing 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 2022-09-28
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief