BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: GA
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 3 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 investigate and correct for erroneous reporting in my file and 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 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 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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XXXX XXXX a dispute was sent out to all XXXX credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited XXXX days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted American XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX 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 I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all 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 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
At XXXX XXXX  on Friday XX/XX/2023 I received several emails from Bank of America, asking me to verify my email, stating that my online application is in progress for a SafeBalance Banking account and then another email that it was approved. 
The confirmation number for this account is : XXXX. 

I called Bank of American at XXXX on Friday XX/XX/2023 and spoke with XXXX from the Fraud Department and explained everything to her. 
I told that I received these emails about an account opening, stated that email had my maiden name and not my married name. 
I then provided her with my address and full name. She confirmed that there is no account under my name. I did tell that I have a Bank of America Credit Card ( which I hold with my husband. My husband had opened it and later added me to the credit card account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXXXXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, 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 ) 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. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with 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 2023-06-14
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a letter to Experian on XXXX XXXX XXXX to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

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 2021-08-27
Company: Experian Information Solutions Inc.
State: CO
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 sent documentation via Certified mail to EXPERIAN on XXXX disputing an inaccurate account listed on my credit file. Experian received the dispute documentation on XXXX. I also submitted a complaint to the CFPB on XXXX and on XXXX EXPERIAN closed the complaint stating the company needs my authorization to respond. I contacted EXPERIAN today XXXX and was told by the dispute department that the reason why the complaint was closed was because EXPERIAN does not recognize the CFPB, and that the complaint has to be placed directly with EXPERIAN to be valid because that is EXPERIAN 'S procedure. EXPERIAN has constantly provided me with false and inaccurate information.

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 2023-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened checking account at Chase Bank as of month XX/XX/2020. I deposited first with Cashier Check amount {$10000.00}. Saved from 20 years employment. After three months using bank services, made transactions. And then opened business account. Unexepectedly the bank Chase suspended my checking and business accounts without warning or notifying. Called many times to several departments. Finally contacted to Department Fraud. They threated me to report to police and FBI for no reasons. Asked for more personal info of my contacts that made large transactions. Again and again explained to them. Asked me where i did get {>= $1,000,000}. I explained that saved from 25 years employment. They refused to accept. Afterwards I asked for releasing Cashier check. They promised to send to California State then forwarded to my address. I waited long time, seems Chase Bank never did. Finally Chase Bank decided to close my two accounts without to release or sending Cashier Check. They confiscated large amounts : {$12000.00} from checking, and {$3800.00} from business. I'm desperate to do have to receive. Unsuccesfully. I decided to file complain to CFPB. Hopefully help me to get funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Convergent Resources, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have NO KNOWLEDGE of this account.This is fraudulent

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 2023-01-09
Company: MOHELA
State: MD
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, 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
These accounts are not mine Some had used my information without my knowledge to initiate these accounts. and it affects my finances. I have tried to work with bureaus to resolve this issue to no avail, with limited correspondence, and not in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.

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 2023-01-25
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/15 Payment to my AMEX was made from the wrong account in Error my XXXX XXXX  account XXXX - The payment didn't clear ( our fault ) - Amex notified me and I correct the issue and paid {$6500.00} from my XXXX again - However Amex continued to process the payment from XXXX even after the {$6500.00} was paid - I called AMEX and advised that they were paid and impacting my account and please stop trying to process the original payment of {$6300.00} - Amex XXXX refused to stop and claim there is no way to they need to keep processing for XXXX attempts - I called and told AMEX they were paid and still impacting my XXXX XXXX account causing my account to be overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on XXXX  different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called XXXX US dept of education and I was informed they they are not showing negative, but they are showing negative. 

XXXX. XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: OK
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 previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} 2. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question.

I reached out to each credit agency XXXX, Trans Union, and XXXX and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.

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 2021-08-28
Company: EQUIFAX, INC.
State: NY
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:
Equifax XXXX  XXXX is not complying with my dispute requested i sent them a letter on XX/XX/2021 and XX/XX/2021 my first initial dispute i havent heard back from them it been 30days and on the XX/XX/2021 i send them 30 day demand to comply and they still have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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:
Trans Union and XXXX there reporting agencies are refusing to up date, correct and monater my credit file. An causing my credit sore to to amen aster different information that has stop me from buying a home and landing me to XXXX. Over the lays 60 months the have be in contact have disputed information wiriten email lots of phones to address this is matter an this the second time get in the CFPB in volved in this dispute. So now I am requesting an appeal to the federal Courts this has cause not only a financial cris and discredit my name.

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 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, I personally deposited the amount of {$66000.00} consisting of 8 checks and cash ( payments for work ) in the amount of {$25000.00} at the Bank of America location on XXXX in XXXX. This amount is shown in the month of XXXX statement provided to me by Bank of America ( attached ). The same day, however, the bank readjusted the amount and deducted {$25000.00}. When I inquired ( again in person ) I was told that the deposit had not included any cash but only checks. This is false. I filed an official complaint with Bank of America number XXXX to the XXXX XXXX XXXX but there has not been a satisfactory resolution. The bank is refusing to provide the video. I was given about ten images to see but this is inconclusive. I am confident I deposited the cash and checks. A bank does not make a mistake of this magnitude when recording a deposit. Yet, without explanation or investigation, they are refusing my money. I own a XXXX XXXX XXXX and this money is the result of this labor. I am an XXXX  and don't speak XXXX and I believe the bank is not taking my claim seriously as a result.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : BANK OF AMERICA XXXX Date Opened : XX/XX/2013 Balance : {$2900.00}

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 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 XXXX Account # XXXX, has violated, my rights. 

15 USC 1681 Section 602 Sates 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 instructions.

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 purpose.

Company response to consumer: Closed with explanation