BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2022-10-08
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: Personal information incorrect

Complaint:
I mailed in dispute letters three times to this information selling company. They have fraudulent information listed under my SSN and will NOT correct nor remove it. I mailed in a copy of my state issued I.D for name and address verification as well my SSN.NOT once has this company corrected the information that they are selling about me, even after I opted out of them using my SSN without my written permission.

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 2022-09-18
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A charge of XXXX dollars on XXXX was disputed with Venmo. There is a charge of XXXX dollars on XXXX that I DID initiate. The intended receiver received the XXXX dollars sent on XXXX, but did not receive the XXXX dollars that was charged from my bank account on XXXX. My Venmo account shows the valid transaction of XXXX dollars from XXXX, but the XXXX dollars that was charged on XXXX does not show on my Venmo account. I was provided a temporary credit of XXXX dollars by Venmo. Venmo denied my claim even after I provided a bank statement and screen shots of my Venmo account showing the fraudulent charge of XXXX dollars on XXXX. Venmo rescinded my XXXX dollar credit and has stopped all communication regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax Credit Report Original creditor this co-pay for XXXX XXXX {$45.00} I paid this you can't see the doctor unless you paid, XXXX I never had XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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: Account status incorrect

Complaint:
I had an account with XXXX XXXX XXXX  and the company sent me to collection. I paid the account with the collection agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 in the amount of XXXX XXXX XXXX XXXX  did not report the account as settled in full after I paid the collection agency on XX/XX/XXXX, XXXX XXXX XXXX XXXX   did not report anything on the account for several months until after I did a dispute with the credit bureau then the company report the account as a charge off on XX/XX/XXXX.. Unfair business practices due to me paying the debts and they still report the debt on the credit even after I notified them and sent them proof of the payment. They even confirmed verbally with me that they would not update even though they acknowledge payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The auto loan with XXXX XXXX XXXX XXXX was paid off as agreed in XXXXXXXX XXXX XXXX  I own the vehicle, all 3 credit bureaus report a balance of XXXX, and the debt was never " charged off ''. Despite the obvious evidence that the debt was never sold off or written off, the bureaus refuse to accept documents from the California Department of Motor Vehicles that show I am the registered owner. If this debt had been charged off, the vehicle would no longer be in my possession. I'm being asked to provide documents that only XXXX XXXX XXXX XXXX can provide, and they haven't even provided the title to the car after 7 months. This is seriously damaging my credit, and I have been denied for an auto loan because of their ignorance.

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 2023-06-17
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-10-07
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 2 accounts that are opened on my report. The dates are completely inaccurate and show the day the account was opened into collections and not the day i opened the acutal account both accounts were opened in 2016. They should Be charged off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I made a payment to my Bank of America HELOC ending in XXXX through their bill pay facility. The amount of the payment was {$540.00}. After a couple of days the amount wasn't credited to my account and I contacted the bank using their email portal. On XX/XX/22 I got a notice that the funds were applied to a closed HELOC I had and that a check would be issued and mailed to my address on record. On XX/XX/22 I got an email that a check was issued ( # XXXX ) and it would take 7-10 days. 

On XX/XX/22, ,I contacted the bank by phone and was told the check was still outstanding. The person said they put a stop payment on the check and issued another check. I was told that it would take another 7-10 days. Now it is XX/XX/22 and I have not received anything. 

I feel there is a problem at the bank and I need help getting my refund.

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 2023-07-28
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 Number : XXXX Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX 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.

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 2023-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The auto loan with XXXX XXXX XXXX XXXX was paid off as agreed in XXXX XXXX XXXX I own the vehicle, all 3 credit bureaus report a balance of XXXX, and the debt was never " charged off ''. Despite the obvious evidence that the debt was never sold off or written off, the bureaus refuse to accept documents from the California Department of Motor Vehicles that show I am the registered owner. If this debt had been charged off, the vehicle would no longer be in my possession. I'm being asked to provide documents that only XXXX XXXX XXXX XXXX can provide, and they haven't even provided the title to the car after 7 months. This is seriously damaging my credit, and I have been denied for an auto loan because of their ignorance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  Account Number : XXXX Has violated my rights. 

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission

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 2021-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This letter is formal notice that Credit Bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond. 
I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The wrong amount is being reported XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was NEVER LATE on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
I want this late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under XXXX XXXX. See the documents attached. XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX. Please repair and update these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have XXXX  over draft fees during the time of covid when we was not supposed to be charged the over draft fees.the results of there mistake was my account was closed and sent for collection and I had several bad checks as u should say.but when they closed my account I tried to get the XXXX XXXX of dollars off for the overdrafts and they refused.this was during 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 2021-03-11
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: Credit inquiries on your report that you don't recognize

Complaint:
There are 7 inquiries on my Experian credit report that do not belong to me I have sent multiple letters to the furnisher and the bureau and it is still on my credit report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry

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 2022-09-18
Company: Experian Information Solutions Inc.
State: OH
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 inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have incurable XXXX and have been working to improve my credit scores for lower life insurance and interest rates. My history on Transunion shows 100 % on time payments for years with the only drop in score due to 38 % credit card usage in XXXX ( car repairs/Dr 's. ), which I paid off to keep raising my score. By XX/XX/XXXX, my score was back to XXXX. On XX/XX/XXXX, I paid more to get usage down to 25 % and a XXXX score. I have since transferred {$470.00} to an interest free credit card account and paid off {$1100.00} for a drop of {$650.00} off my total balance and brought usage down 4 % to a total of 21 % with todays credit score check. No other categories changed, and I was shocked to see that my XXXX XXXX decreased, not increased. It makes no sense. How can everything remain the same except you lower your credit usage from 25 % to 21 %, which is a high impact category, and your score is lowered and you are punished. I was on the phone to Transunion 3 times for explanations only to be told by someone from XXXX, that they could not tell me why. Then I placed another call and someone named XXXX from the XXXX told me the same thing and neither could give me a contact number for a United States office to call or visit, but they could transfer me and connected me to a number that rang over 20 times and no answer. Sending Attachments so you will see my Transunion score info and changes and all categories remained the same or improved but the credit score dropped.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account Number XXXXXXXXXXXX, Open Date XXXX XXXX, XXXX, Credit limit : {$1500.00} ). Its been over XXXX days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2022-11-27
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, 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:
Good afternoon, I am writing to you guys due to a inquiry that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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