BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
As of XX/XX/23 XXXX XXXX  has failed to respond to my request and has falsely reported the account as past due and overdue delinquent for 30 days. Fax sent to XXXX for removal of fraudulent late reporting. This account was on forbearance thru XXXX XXXX and payments were satisfied XXXX XXXX. This company is in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose intends to use the information in connection ( a ) with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Violation of my rights of extended credit due to the misrepresentation and false accusations of a fraudulent late payment.

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 2022-12-14
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-06-26
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: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery responded to my last cfpb complaint that they were closing 3 accounts..they only had three accounts in my name, two with XXXX and one with XXXX XXXX. Apparently portfolio figured they could pull a fast one on me and provide cfpb with false information about the last 4 of the account numbers. To this day they still have the account with XXXX XXXX opened and stil reporting although they said they would close and request deletion. They have yet to respond to my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I filed bankruptcy. That bankruptcy was discharged in XX/XX/XXXX. My Sallie Mae private student loans were included in this discharge. But very shortly after I received communication from Sallie Mae stating I still owed these loans a payment was to restart. Theyve sent me bills every month since and Ive paid them for around 5 years now, ( because they told me I had to ). I have paid off my one loan completely and am only down to around {$900.00}. XXXX on my second loan. I just received a letter dated XX/XX/XXXX from Sallie Mae stating my loan ( singular since my other is paid off ) has been included in a bankruptcy discharge. I called and they confirmed their bankruptcy department was working on discharging my loan. The problem is Ive paid them around {$16000.00} already on 2 loans that were discharged in XXXX because they told me I had to. If I was late on payments they called over and over and charged me late fees. I want all my money back every cent Ive paid since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Financial Recoveries, Inc.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2018 I took out two payday loans with cash in a flash totaling XXXX. In 4 years and 9 months they had added so much interest theyre now saying I owe more than 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 2023-06-26
Company: WELLS FARGO & COMPANY
State: TX
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:
After obtaining a {$300.00} secured credit card with Wells Fargo, I made the decision to close the account approximately eighteen months later. To my surprise, upon contacting Wells Fargo, I discovered that I had been charged interest fees on nonexistent purchases, as well as late fees on those interest charges. Furthermore, despite closing the account, my initial {$300.00} security deposit was not returned by Wells Fargo.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
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 federally protected rights have been violated by Experian credit reporting agency. 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. I told Experian, XXXX XXXX and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that 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 2021-01-25
Company: Experian Information Solutions 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:
Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Company A - Bank of America - reported when a fraudulent purchase put an unknown balance on my card and it became past due because the company failed to notify me. 

Company B - XXXX - put me over the limit with their own fees and never called me or emailed me to reduce the 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 explanation
Consumer complaint received 2023-11-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I ordered a {$50.00} Amex gift card that was nearly impossible to use. Amex advertises that these cards can be used at ANY MERCHANT AMERICAN EXPRESS IS ACCEPTED. That's completely untrue in practice however. Every merchant I tried ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX even XXXXXXXX XXXX  and XXXX ) declined the card. All transactions were attempted in the US, not international. 

Amex prepaid customer support had no idea why it was being declined and advised me to keep waiting, try again in 24-48 hours, etc. That's useless advice. I was able to use the card eventually at XXXX XXXX XXXX XXXX on XXXX and XXXX on XX/XX/, but I didn't want to use my card at these merchants. I had no choice because Amex declined transactions at all of the merchants where I wanted to spend this balance. I have spent hours trying to find ways to finish off the balance on this terrible gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was receiving a payment for a model I was selling and the payment was sent thru Zelle. I recieved an email stating I need to upgrade my account to a business account and needed to reimburse the sender of the funds. This happened a few times leaving me with very low funds in my account. Amount lost {$1100.00} Problem # XXXX I was purchasing some good electronics, the person asked for more money to pay for the shipping and insurance, I sent more funds to help them out. Again funds were sent thru Zelle  Amount lost {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, Equifax XXXX XXXX continue to report the account XXXX XXXX XXXX acct # XXXX inaccurately and without my written permission. I have asked several times for the three to STOP reporting this inaccurate information.

None of the information the three are reporting is accurate are matches up. They must present accurate information and have consent from I the consumer with whom it relates.

1692 ( a ) - Consumer has a right to privacy.

1681 ( a ) ( 4 ) - Consumers right to privacy 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt.

1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer.

1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # xxxx, has violated my rights. in accordance with the Fair Credit Reporting act XXXX Bank # XXXX, has violated my rights. in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. n accordance with the Fair Credit Reporting act XXXX XXXX Bank 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. 


I have also Filed a claim with the federal Courts and Served Equifax, They have yet to respond its been over 10 days since being served

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
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 is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( The following personal information is incorrect. The personal data reporting is inaccurate. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of America randomly charges XXXX dollar monthly maintenance fees with no explanation I just got one for XXXX, previously charged in XXXX, XXXX, XXXX, and XXXX. I would like a detailed explanation for this.

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 2020-02-22
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Purchased an appliance from Sears in XXXX, Texas. Total cost, {$380.00}. Sears,  without my approval transferred my account to Shop Your Way MasterCard in XXXX XXXX, SD. Received account statement & an unsolicited MasterCard from this company. I did not request a MasterCard & never used it. 
Payments indicated ( correct balance due ) & {$28.00} monthly payment, first payment due on XX/XX/XXXX. I sent a bank check for {$84.00} to Shop Your Way, with the notification that I was paying the first three ( 3 ) months in advance, XX/XX/XXXX., XX/XX/XXXX., & XX/XX/XXXX.Company REFUSED to accept " Payments in Advance '', and notified me my next {$28.00} payment was due on XX/XX/XXXX. I notified Shop Your Way, in writing that I did not agree with this venal response, and my next payment was due on XX/XX/XXXX! 
Received statement from this disreputable cabal that I was being charged {$28.00} for " LATE PAYMENT ''! I did not make a XX/XX/XXXX payment, as it was paid in advance, I did not make a XX/XX/XXXX  payment, since this had been paid for in XX/XX/XXXX.

Statement from this sedulous company now claims I owe for three ( 3 ) " Late Payment '' charges. My correct balance due to Sears, not Master card, was {$300.00}. I mailed a bank check to this disingenuous company on XX/XX/XXXX, for {$300.00}, with the notification that this was PAYMENT IN FULL on my SEARS balance.

Shop your Way has refused to cash this check, Shop Your way employee and his supervisor have refused in a telephone conversation to inform me of my balance.

This is an example of the continued obstinate conduct of Shop Your Way MasterCard. 
I have paid the entire balance due for the purchase of an appliance from Sears. 
I did NOT sign any agreement with MasterCard, and I believe that I have paid my balance due in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2023-11-23
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive sent multiple letters requesting information, supporting documentation and hippa signed for and I have not received anything.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: VA
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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number - XXXX Account Name - XXXX XXXXl Account Number XXXX XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

Experian Account Name - XXXXXXXX XXXX Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. 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 any account without my written consent.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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 2023-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief