BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-01-31
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: 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, an account was attempted or was opened in my name at Bank of America. On XX/XX/2023, I received an XXXX alert stating an account was opened in my name. I did not attempt to open an account at Bank of America. I spoke to someone at Bank of America on XX/XX/XXXX and they stated the account application was declined. I am still worried about fraud so I have frozen all 3 credit bureaus and XXXX profile. The only thing I can connect to BOA, is that I applied for a credit card on XX/XX/2023, which was declined. So, they would potentially still have my information on file.

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 2022-12-06
Company: EQUIFAX, INC.
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I settled my account to be paid in full with CAPITAL ONE around XX/XX/2021. The balance is reporting as {$0.00}, however, the account status is still reporting as " derogatory '' and I would like this to be reported as " paid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, 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:
I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 05-06-23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2022-05-18
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:
Experian stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card account # XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate, .This is grounds for removal. 

THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. EXPERIAN HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. 

Experian ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to Experian the person to furnish anything on my consumer report.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EXPERIAN HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS.

SEE ATTACHED LETTER.

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 2023-08-01
Company: Experian Information Solutions Inc.
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.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years. 

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had 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 2022-05-18
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Got this notice from Ally on XX/XX/XXXX : Youve made 6 limited transactions from your XXXX XXXX  Savings Account this statement cycle. 
I immediately called Ally and told rep that all three withdrawals totaling over. {$21000.00} were fraudulent and that I did not authorize any withdrawals. Ally rep set up new account and said all the remaining balance was being transferred to it. The old account was still open on XX/XX/XXXX and I called Ally again and told them a {$10.00} deposit was made that day ( fishing ). Rep told me Ally was handling under their Dispute Number XXXX. Rep also said it could 10 days before a decision was made and that he could not determine if my personal info been stolen. Requested that all the fraudulent charges be immediately credited back to my account and advice whether or not my personal info was stolen. 

I called on XX/XX/XXXX. XXXX said it could take up to 60 days for them to finish their investigation. Said to refer to : Reference Number XXXX Only one fraudulent transaction for {$5700.00} has been credited back to my account. The other two fraudulent charges totaling {$15000.00} are shown as Prov Credit for Dispute. I should not have to wait to get my money back. ALLYS POOR SECURITY CAUSED ALL 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 explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: IN
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:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I further attempted to reach out send more follow up letters I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON XX/XX/22 for the amount of {$380.00} XXXX XXXX XXXX has unlawfully purchased a debt from XXXX XXXX XXXX XXXX, and they have reported this to TRANSUNION without my consent. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ). ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by XXXX XXXX XXXX nor have I ever had a contract with them. My personal information has been shared among these companies without my XXXX15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to Opt out of any and all reporting of my 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 non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, Law offices of XXXX XXXX, Law offices of XXXX account number XXXX, XXXX XXXX XXXX account number 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Dave Operating, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hey I bank with XXXX banking its app they are under elove bank and trust. Im contacting you guys cause I havent received my check and its been 5 days since I was supposed to get my check, they came that it was my employer ( XXXX ) they havent sent it but I contacted my payroll department and they gave me a transfer number where it shows XXXX received my deposit but didnt put it in my account and they keep giving the run around and not explaining the issue and just XXXX XXXX have photos for proof you can even go on they social like XXXX and XXXX and XXXX XXXX and see every people complaining about the same issue its thousands of us and this is ridiculous I already report them to fdic

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: FinCo Services Inc DBA Current
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX dollars was taking out of my current acct from some one using the # XXXX after they took the money the called multiple times taunting us on taking the money. Police report was taken and police witnessed the callers male and female taunting.card was use in Florida and we resign in XXXX sc where the card was used 2 hrs prior to scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I requested that AMEX send me my Reward Dollars in a check. The first time I called I was told I had to wait a month while the rewards were posted to my account. When they were posted I could request the refund. I waited the month and called back. I spoke with a representative named XXXX # XXXX who said there was no record of my first call. She said she would correct the matter and I would have a check within 7 days. I waited until XXXX-19, and called again and was told again there was no record of me calling at all. I asked for a supervisor and spoke with XXXX # XXXX who said there was no record of either of my requests and nothing was done on my account. She said would contact her superiors to have the inaction on my first 2 calls investigated. She said she personally had my rewards posted to my next statement and when they appeared I had to call again and request a check at that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-06
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I loaded money onto a Chime card to pay my back property tax payment. I called the tax office and made the payment by phone. At first it appeared the payment was made. Then it was not made and a tax deed was sold on my house. I have been promised a refund after they said they found evidence the money had been hijacked out of the country- but then they just stopped talking to me and it's been since XXXX of 2022 and no refund. They even refused to speak to my attorney. I verified it was me and they still haven't talked to me anymore nor given me the money back nor given me evidence I need to void the tax sale - so they've cost me my home.

Company response to consumer: Closed with explanation