BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 1. XXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX 3. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX 4. XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX 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. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: AL
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.

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: In progress
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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. XXXX XXXX XXXX, XXXX XXXXXXXX Bank : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. The company took about 37 days. I was advised a response is to be given within 30days or by law it has to be 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 non-monetary relief
Consumer complaint received 2022-01-08
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
( GLA COLLECTIONS ) at ( XXXX XXXX XXXX XXXXXXXX KY XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with 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 explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MS
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 working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these illiterate, incompetent idiots that have no clue what great customer service ethics are. My credit score has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from XXXX ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: MD
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/ not late. And they want update 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 2023-02-08
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sold my mortgage to newrez mortgage and newrez said that XXXX did not take enough money for my escrow, so now I have to pay an extra {$300.00} on top of my regular mortgage payment, and I have to pay it for almost a whole year! I'm retired but have to back to work because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - account with XXXX XXXX/ Genesis Credit was sold to XXXX XXXX XXXX XXXX XX/XX/XXXX - account was sold to XXXX XXXX XXXX XX/XX/XXXX - account was sold to Islandwide Consulting Group XX/XX/XXXX - account was sold to XXXX XXXX XXXX ** Based off of FDCPA section 1006.34 debt collectors must provide a debt validation letter within 5 days of first contact. 
I have NEVER been notified of any debt form any of the 4 collection agencies listed above nor was I ever given proof that the requested debt is owed by me or an opportunity to settle any debt. 
I am a single mother of XXXX children attempting to purchase my first home and this is adversely affecting my chances!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following inquiries are fraudulent and needs to be removed : XXXX XXXX XXXX XXXX ( XX/XX/22 )

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 2023-02-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXXr and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: HI
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:
XXXX I sent proof XXXX XXXX that my payment for XXXX was XX/XX/22 not late. And they want update my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A better description of what happened to me is posted here : XXXX XXXX XXXX Background : I have a new bank of america credit card and signed up for auto-pay, selecting the " amount due '' option to be payed on the due date. There is another " pay minimum amount '' option that was left unchecked. The problem is that selecting " amount due '' actually results in paying only the minimum amount, resulting in interest charges. There have been multiple online complaints over this and B of A refuses to fix this confusion and continues to collect interest payments as a result, which is WRONG. 

Specifics 1. XX/XX/20 : I received an alert on the due date that only the minimum payment ( {$140.00} ) was received. I went online to try and pay this manually but the site was down and payments could not be administered manually. 
2. XX/XX/20 : I called B of A and complained. They said they would register the complaint but indicated I needed to call back if/when any additional charges were added. I went online and paid the full amount manually ( {$3200.00} ) 3. XX/XX/20 : I received a statement indicating {$39.00} interest charges were added because only the minimum payment was received on XX/XX/20 from the auto-pay option " amount due '', again " pay the minimum amount '' was UNCHECKED. 
4. XX/XX/20 : I called B of A asking them to remove the interest charge of {$39.00} and they refused stating that if you clicked a separate link ( that was not included in the pull down payment options ) it explained that " amount due '' and " pay minimum amount '' are the same and may result in interest charges. 

B of A can and could-have easily fixed this confusion as several others have complained per previous link -- - but they refuse to do so to-date. Their explanation was that this global payment portal was used for several different types of payments and that for credit cards -- - " amount due '' and " pay minimum amount '' are actually the same thing, which results in interest charges. I believe this is purposely misleading the public to collect additional interest and is something that can and could-have easily fixed.

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 2023-11-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit 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:
We purchased a murphy bed in XX/XX/2023 and asked the merchant if it can be delivered different state XX/XX/2023 because we out of state til then, He said yes we paid in full {$3200.00}. End of XXXX we got home starting to text merchant that we were home can deliver murphy bed. He said should get it soon. Never recieved it sent messages all summer. He had excuses but never got it. 
I contacted XXXX in XXXX started dispute, closed case no documents why. called back reopened case 2 other times, He said item on the way. 
XXXX say cant help us go to merchant. Now we are back near merchant went to see him, now he says item lost in freight. And he cant refund us because XXXX took funds from him. We went to XXXX XXXX XXXX, this merchant has done this to about dozen other customers. Rating is XXXX He has no proof at all here our murphy bed went or even mailed out. 
Called back XXXX talked to supervisor and cant refund us or do anything for us. She said his last form said he was waiting for us to let him know when to deliver. but not true.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies.

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 2023-02-13
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I went to my local Ford dealership and informed them I would like to perform a consumer credit transaction. They took my social security number and ran my " credit '' through Ford Credit. Later that evening I received a call from my local dealer that my " application '' had been denied but no " excuse '' was given. I have tried calling Ford Credit several times to discuss this matter with them but each person I speak with belittles me and tells me I have no clue as to what I am talking about that they deal with " loans '' not consumer credit transactions. I also have yet to receive any notification in the mail from Ford Credit explaining why I was denied " credit '' which is a further violation because they are supposed to ensure that notification is received by me within thirty ( 30 ) days. I spoke with a XXXX and XXXX from Ford Credit who refused to allow me to speak to anyone above them and said that they, Ford Credit, did not run my credit that it was the dealership who ran my credit. I said how could that be when your organizations name is the one showing up on my consumer report for a hard inquiry. They both refused to assist me and insisted that I was ignorant to the law and that they were not committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: LEXISNEXIS
State: MO
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:
Notice of Intent to Sue XXXX XXXX is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is erroneously reporting bankruptcy case number XXXX as belonging to The Consumer. The Company has not verified the following information and is currently reporting inaccurately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( The Consumers name is not XXXX XXXX XXXX XXXX as reported ) Bankruptcy Court Details : Court Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Petitioner Represented By Attorney : Yes Petitioner or Attorney Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX The Company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This Bank FNBO is terrible! Stay away from them! I had submitted a business application for a credit card in XXXX and I have excellent credit. They asked for all documentation which I provided. Then they said they approved me for a credit card. A few weeks later I received it and activated and started using it for my e-commerce business as mentioned. I only put about $ XXXX into it which I immediately paid off the balance. After that I was no longer able to use the card. They gave me NO notice and I had to call in several times! I spent dozens of hours on the phone trying to find out, one rep told me I was getting a new card shipped while another said it was closed. Then they said they needed further verification via notarized docs of my sensate info which I spent a day out of my way to go get my ID SSN and tax documents notarized to send. I come to find out that they closed my account without any real reason and still made me jump through all these hoops. I am very upset and would report this company for misleading and fraudulent business activity. I am disgusted at FNBO. And now I am left with inquiries on my report as well. Just ridiculous

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 2023-02-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Was contacted through XXXX They claimed to be my teacher They claimed I would receive a large payment if I invested small amount of money with XXXX. 

This what they opened with XXXX app in conjunction with The XXXX company with gift card for bitcoin spinning, presently they are giving out money to help people by this period of pandemic ... To benefit from this you have to trade with them using giftcard or making the payment through XXXX app for trading and get your winnings immediately after verification. 

So if I invested {$1000.00} I would receive {$12000.00} back. 
Toward the end they wanted verification from my XXXX to link my payment with ads on XXXX Ok now go to your XXXX settings Click on security and login, click on use two factor authentication code Click on the option to register text message Register text message with your phone number. 
Your payment has to be attached to your page just like ads

Company response to consumer: Closed with explanation