BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 Fair Credit Reporting Act XXXX Account has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Phoenix Financial Services LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from ( XXXX ) XXXX as my home phone had scam alert and disconnected it after 2 rings. I notice I had 5 calls from this number since XX/XX/XXXX. I called it back because I have a delivery and thought it was them try to set up a date. 

XXXX said they were from Phoenix Finance debt collectors and asked my date birth and I said you tell me and then the said my name. They said I owed a XXXX XXXX ambulance bill from XX/XX/XXXX in the amount of {$160.00}??. I said no I don't and told them this was a scam. XXXX claimed they sent 2 envelopes to my address as I moved out of state. We have never received any envelopes or bill. I contacted my XXXX XXXX XXXX which I carry though my employer and asked the to check this. They have no record of any ambulance service or have never paid 2 payments on this claim for me for XX/XX/XXXX. I had XXXX contact this XXXX and conference us in and she reinerated that to XXXXXXXX @ Phoenix Financial debt collectors. He read me the statue of limits said this would be on our credit report, with a judgement against me and my employer. XXXX asked him with my permission to send and itemized bill and he said it could take up to 30 days. I have not received any bills ever pertaining to this and have confirmed with XXXX I do not owe this bill. I am concerned they will tarnish my credit report and affect my job with this unfounded claim. Phoenix contacted me XX/XX/XXXX, and XXXX XXXX and XXXX on my caller Id. Have never any documentation for this false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.

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 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently filed a complaint in XX/XX/XXXX with CFPB ( Complaint # XXXX-XXXX  ) whereas B of A alleges they sent a " declination letter '' to me on XX/XX/XXXX, which is an absolute fabrication. They say this was based on a telephone conversation on XX/XX/XXXX where as they claimed the loan was withdrawn from modification review .. another fabrication. 

In 2012, I modified my first mortgage with Bank of America, and once that was complete, my B of A Counselor, XXXX XXXX, ignored my repeated requests to modify my 2nd mortage ( see attached communications ) and ultimately told me that because my ex husband, who is on the loan, declared bankruptcy, that the debt was no longer collectible. Of course, I was naturally suspicious that this was either the best gift ever or that he simply lacked the time resources to help me ( again - his email says he's " real busy '' ). Bank of America also advised me not to pay the 2nd mortgage if I wanted a modification - which was a common myth being communicated by lenders back then who didn't know how to deal with this huge problem. 

I have more documentation that I can provide that demonstrates that I was absolutely interested in refinancing my 2nd mortgage, but was not getting any results or progress from B of A - likely because they were drowning in 1st mortgage modification processing.

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 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I tried to dispute transaction made by XXXX on my Bank of America business debit card. Transaction totaling a {>= $1,000,000} cent. It started with a lower amount. As XXXX kept charging my card/account with out my authorization.I called Bank of America and disputed the transaction. Bank of America did not honer the claim. They said I did not do it in a timely manner.. it was within the 60 days of the transaction being mad.. I tried to fix it with the merchant and I got no where. The bank recommended I contact the merchant. And I did. Once I couldnt get any where I contacted the bank, thats Bank of America and now they denied my claim and my business is at risk. Im at risk of losing everything. I cant check the status of the claim, so when I called in today they said that they came to a conclusion that I did not report with a timely manner. Bank of America kept telling me that I will get a letter in the mail, and they can not send me anything else via email. Only tell me over the phone what the notes stated. That I did not file 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 explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Southwest Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving unwanted calls from southwest recovery ( a debt collector ). Once I discovered I have been turned over to collections, I called the original company and paid. It was a misunderstanding that got resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have two Accounts on my credit report that is Not mines. 

Account # XXXX Auto Loan is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXX could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for $ XXXX. 

Account # XXXX Debt Buyer is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.

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 2020-02-25
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY XXXX  CREDIT REPORT THAT DOES NOT BELONG TO ME. I CONTACTED XXXX  AND WAS TOLD THAT IT WAS VERIFIED FROM THE COURTS WHICH WAS NOT TRUE. I SENT THEM THE PROCEDURAL REQUEST LETTER, I SENT DOCUMENTS WHERE THE COURT STATES THAT THEY DO NOT VERIFY ANY INFORMATION WITH THE CREDIT BUREAUS, I CONTACTED XXXX  AGAIN AT THAT TIME THEY STATED THEY VERIFIED IT WITH LEXIS NEXIS, I CONTACTED LEXIS NEXIS THAT STATED THAT VERIFIES IT WITH THE COURTS WHICH AGAIN IS NOT TRUE. IT IS AGANIST THE LAW TO HAVE INCORRECT AND UNVERIFIABLE INFORMATION ON ANYONES CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT.

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 2023-03-10
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act ; GLA Collections This company continues to violate my rights. 15 USC 1681 section 602a : States, I have rights to privacy. 15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions. This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately. The credit reporting system should not be used to coerce people into paying medical bills that they do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, Transunion, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681.

According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX  XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX XXXX XXXXXXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI 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 2023-07-28
Company: M&T BANK CORPORATION
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:
XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of the Fare Credit Reporting Act ( M & T Bank ), has violated several of my rights. 
15 U.S.C. 1681 section 602 A. clearly states that I have right to privacy. 
15 U.S.C. 1681 section 604 A. Secion2 also states that a consumer reporting agency can not furnish my account without written instructions. 
15 U.S.C. 1666B : A creditor may not treat a payment on credit account under an open-end consumer credit plan as a late as late for any purpose. 
Remove the late payment and update the account immediately as you are in violation of several laws under the Fair Credit Reporting Act.

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 2023-06-10
Company: EQUIFAX, 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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$260.00} Medical XXXX Balance : {$590.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
See attatched Fraud Claim letter dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. ( Explains TEMP CREDITS ARE MADE PERMANET WHEN INVESTIGATION OVER. ) {$470.00}. ( **Please confirm PERMANET CREDIT APPLIED effecting my bal. ) Please explain HOW PERMANET CREDITS APPEAR ON STATEMENTS so I can find All these Credits. See attatched statement XX/XX/XXXX There are TEMP CREDITS to begin fraud investigations TOTAL TEMP ADJUSTMENT PURCHASES CREDITS are {$320.00} PLEASE CONFIRM THESE HAVE BEEN MADE PERMANET. The investigation MUST BE OVER BY NOW. see attatched Statement XX/XX/XXXX TEMP ADJUSTMENT PURCHASES CREDITS PLACED TO BEGIN FRAUD INVESTIGATIONS They TOTAL {$1.00}, XXXX TOTAL TEMP CREDITS THAT ** NEED TO BE MADE PERMANET. Investigation MUST BE OVER BY NOW. TOGETHER THERE ARE {$1.00}, XXXX TEMPS NEEDING MADE PERM XX/XX/XXXX XX/XX/XXXX and XXXX {$470.00} NEED PERMANET CREDITS APPLIED FOR ALL THESE TEMP CREDITS TO BEGIN INVESTIGATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These inquiries do not belong to me, Please remove all the hard inquiries for me. 

Unauthorized fraudulent Inquiries, 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States i have the rights to privacy.

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

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2023-12-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello there are several things wrong with my Credit report I have repeadtely sent letters and asked Equifax to comply with FCRA and USC what Congress put into place to protect consumers. I have incorrect reporting dates opening dates along other violations.

Company response to consumer: In progress
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: VA
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 attempted to dispute these online via the application using Experian, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXXXXXX, or XXXX  to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since XXXX therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with 34 CFR Part 99 and the Privacy Act of 1974, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are 5 total entries totaling {$24000.00}. XXXX, Experian, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!

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