BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: U.S. BANCORP
State: CA
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 US BANK, 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 creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for k 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 non-monetary relief
Consumer complaint received 2023-07-03
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-06-07
Company: EQUIFAX, INC.
State: MO
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:
Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX XXXX Act # XXXX {$1300.00} XXXX XXXX Act # XXXX {$1100.00} XXXXt XXXX XXXX Act # XXXX {$1600.00} XXXX XXXX XXXX XXXXXXXX Act # XXXX {$360.00} 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 : also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( aX5 ) 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 ( AX1 ) 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Continental Finance Company, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection account on my credit report.

Company asked if I needed help while dealing with Covid and then tripled my payments and charged my account off. 
Continental finance LL 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 2022-10-11
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX Account Number : XXXX Delete this account. 
9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
11. Identity Theft XXXX  Account Number : XXXX Delete this account. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX Account Number : XXXX Delete this account. 
14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
15. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
16. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX  18. The following personal information is incorrect Account Number : EMPLOYER : 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft i have sent over 100 disputes to this company in the pass 2 years now they are refusing to correct incorrect information on my file. 
the accounts that are remaining on my file that does not belong to me are XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX these accounts have been removed from the other reporting companies as they where found 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Having worked for Bank of America, I was able to see how they could care less about the consumer and more about the investors. Never in a million years would I have imagined that Bank of America would abruptly close all 5 of my credit cards for the simple reason that I had added too many authorized users. Having worked at the branch, it was widespread for personal bankers to tell the consumer that a good way to help establish credit is by opening a credit card. If the card application got declined, they would recommend having a friend or family member add them to their credit card as an authorized user to boost their credit. Not only is this very common, but Bank of America actually has a website with Better Money Habit where they recommend that. 

Straight from the website https : //bettermoneyhabits.bankofamerica.com/en/credit/how-to-build-up-credit " Another option to build credit : If you have a parent or other family member with good credit whos willing to make you an authorized user on his or her account, doing so can help you develop your credit history. '' Based on what I had learned from working in the financial industry, I added authorized users to my account to boost their credit. I never thought I was doing anything wrong. Well little did I know that this was going to come back and bite me in the XXXX. On XX/XX/2020, I found out that Bank of America had closed down all of the credit cards that I had with them with no warning whatsoever. I only found out about this because my card got declined when I tried to use it at a restaurant. I called customer service, and the reason they gave me was " irregular authorized user activity on one or more of your accounts. '' Bank of America has really screwed me over on this one. I don't know what kind of effect this will have on my credit score because not only did they closed over XXXX worth of credit but they also closed some of the oldest credit cards that I had. Having worked so hard to get to an 800+ and for it to be taken away from one day to another really sucks. I never thought I would be depressed over something like this or even have suicidal thoughts over it but honestly, this XXXX XXXX especially when you have worked your whole adult life to have a good credit score.

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 2022-11-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been the victim of identity theft in XXXX and XXXX. I have had multiple attempts of fraudulent activity using my stolen identity to open credit cards, XXXX accounts, checking accounts and had my phone number remotely stolen. I have still an unresolved hard inquiry still showing on my credit reports that are affecting my credit score and I would like this removed. XX/XX/XXXX - Comenity Bank, XXXX XXXX XXXX fraudulent attempt to open a credit card at XXXX XXXX department store. I have never been to a XXXX XXXX department store in my life, nor have I tried to open an account with them. I did dispute this inquiry with Comenity Bank and they did confirm this was unauthorized. They sent a letter confirming this fraudulent activity on XX/XX/XXXX and they wrote they would notify all credit bureaus. However, XXXX and XXXX still have not removed this hard inquiry and both requested I fill a dispute with FTC.gov. I have tried multiple times as well this year to contact XXXX XXXX directly as well but they do not answer their phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX Account Number : XXXX Delete this account. 
9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
11. Identity Theft XXXX  Account Number : XXXX Delete this account. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX  Account Number : XXXX Delete this account. 
14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
15. Identity ThefXXXX XXXX XXXX Account Number : XXXX Delete this account. 
16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NV
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 one of my multiple attempts to notify EXPERIAN AND XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-10-11
Company: Experian Information Solutions Inc.
State: ID
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:
Account XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and 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 explanation
Consumer complaint received 2020-02-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Yes I have over XXXX total cash in my savings with Wells Fargo they mislead me and had me open a secure credit card over a year ago with XXXX down to secure the card. They are scamming people as they sent me a XXXX dollar unsecured card but refused to i grade my XXXX dollar card knowing they are over 220 thousand dollars just in my savings I am a XXXX XXXX and I wont be be discriminated against or cheated with their secure credit card program which I meet beyond the guidelines to insecure it as I made over 30 payments and always keep a XXXX monthly 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 monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I believe the information on the XXXX XXXX XXXX account to be incorrect, I never had an account with XXXX, and i have never Owed a balance of {$510.00}. i am not sure or aware of XXXX 's debt of {$510.00}. I am requesting a copy of the original contract of this account with all payments made to the original account to make sure this account is truly reflecting its true balance. Also, i have previously contacted XXXX XXXX XXXX that i refuse to pay this debt and to stop all collection attempts. they failed to comply and attempted to collect the debt when i called them on Wednesday, XX/XX/XXXX violating my consumer protection rights and violating the FDCPA. since i have not received what i have requested it made me believe that the accounts may not belong to me. I repeat that i have never had a contract with XXXX or never have i had a debt of {$510.00}, This it is believed to be false information and a violation to 15 usc 1692e.

I can not tolerate these violations and these accounts that I do not recognize to be reported into my credit file. 

This complaint serves as a formal declaration of my refusal to pay this inaccurate debt that XXXX XXXX XXXX  claim i owe and i demand that XXXX XXXX  cease communication with me unless to report the closure of the account they claim i owe. I intend to take legal action if these violations are continued.

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 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to Transunion, XXXX XXXX and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXX, TransUnion, XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

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 2023-04-26
Company: SYNCHRONY FINANCIAL
State: TX
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 THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " 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 ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,

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