BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Virginia XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from XXXX XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXXXXXfrom original creditor SBA. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX  XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXXXXXX original creditor is XXXX XXXX XXXXXXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX  Multiple attempts have been made for removal.

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 2022-04-27
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Bread Financial Holdings, Inc.
State: MS
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:
On XX/XX/XXXX I went to my PayPal account to make my payment, but the credit link was not there. I thought it might be a glitch, so I tried again on XX/XX/XXXX, with no luck. On XX/XX/XXXX, or XX/XX/XXXX, I tried again. Still no credit link, so I called customer service. The woman I spoke with said that PayPal had done an internal audit, and found that I had filed bankruptcy. The account was closed, and I could no longer make payments to that account. I said that didnt make sense, and that I wanted to speak with her supervisor. When he got on the phone he said that because I had filed bankruptcy in the past, I should have never gotten credit to begin with. So in accordance with PayPal rules, and regulations the account was closed, and written off, and I was no longer responsible for that account. I asked for written confirmation to that fact. He said he would send me an email, but all I got was an email saying that I had a message in my secure PayPal message. I went to my messages, and there was no message. 
When I checked my email the night of XX/XX/XXXX, I received an email that my PayPal account was available again. After being told that it was closed, and written off 6 weeks before. So I called back on XX/XX/XXXX, or XX/XX/XXXX, and was told that oops, we made another mistake ; I was responsible for the account again. 
This is wrong. PayPal shouldnt be able to do that. 
I am XXXX, and live on a fixed income. I have been trying to pay off my credit accounts, so when that supervisor said it was closed, and written off I expected it to stay that way. 
I have been trying to find someone that could help me with this problem since I found out about it, but no one has been able to help me. Then I called the XXXX, and they told me to contact the CFPB. I hope you can help me with this problem. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have received multiple inquiries, that I didnt apply for.

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 2023-10-07
Company: EQUIFAX, INC.
State: MI
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am currently receiving government benefits through the California State Employment Development Department. 

On XX/XX/2020 I was awaiting a deposit around {$900.00}. I typically call Band of America automated number to verify that my card has the funds posted. This time there was only an existing balance and not the larger deposit I was waiting for. I then checked my EDD account and it said the funds were in qualification stage. 

On XX/XX/2020, I went to a Bank of America ATM and it said the funds were still not there. I then verified the EDD account which still said in qualification status. I assumed nothing would post on Sunday XXXX XXXX. 

On XXXX XXXX, I went to an ATM without checking EDD and the funds were not there. When I checked my EDD account, it now said a withdraw had been made at a nearby ATM for {$980.00}, after first checking the balance. 

My ATM card never left my possession. 
On XXXX XXXX, I called Bank of America to report the fraud withdrawal. They provided me with another number specifically for fraud of EDD funds. They also sent a new card in the mail. 

On XX/XX/2020, I called the number specifically for fraud of EDD funds and had to provide the details so they could investigate. I was told the process was new and confusing but the EDD fraud was prevalent. They said a supervisor would call me within a few days. 
I Never received a call from Bank of America. Instead, I received a letter XX/XX/2020 stating that my account was closed and the claim for the investigation was never submitted. 
I called XXXX XXXX and every couple days later to ask for credit for my FDIC-insured EDD funds that were stolen and they refuse to talk to me at all. They say, " Since your account has been closed by EDD, you need to speak with EDD. We can not discuss anything. We can not assist you. E Every time I speak with EDD they assure me, my clam is fine and they never requested to close my account. They say that the issue is with Bank of America not honoring the funds which are insured. I have since started getting my benefits via hard checks mailed to my home.

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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America close my business account and my saving business account without any warning don't know what happened I think it's some kind of discrimination because I'm a XXXX on small business in XXXX Florida I contact them and they can give me any reason or any excuse why they close my account I've been with Bank of America for about 20 years on my personal account and since XXXX  in the business account like I say I think it's discrimination

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 2023-01-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXXXXXX I submitted a second complaint because Experian is not deleting an address that is not mine : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

They responded by saying they couldn't find that information on my credit report. Today XX/XX/XXXXXXXX  I logged into my Experian account and the address is still there. I'm submitting a screenshot with the address because they clearly not doing their job.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: NY
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 never late on the paid off account listed above. please show me documentation showing proof of transaction, showing I was ever late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX  account # XXXX, has violated my rights. 

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

15 USC1681 Section 604A Section 2 : It also States a consumer reporting agency can not furnish a account without my written consent.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX / XXXX XXXX Account # XXXX 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 any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an 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 2023-04-13
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Credit Corp Solutions Inc.
State: NY
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 never once gave my information to XXXX XXXX XXXX so i dont know how can i owe a debt when I never signed a contracts with them. I also put on claim with them on XXXX XXXX nobody have still responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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 had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
I have started looking into to my credit and noticed the very unfamiliar accounts below. I have no knowledge or have I ever done business with the companies listed below. I have tried everything to get this fixed. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX  account number # XXXX XXXX XXXX  XXXX account number # XXXX XXXX XXXX XXXXXXXX account number # XXXXXXXX XXXX XXXX XXXX  account number # 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that 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 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 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a loan with XXXX XXXX paid it off on time however XXXXXXXX and XXXX XXXX they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me XXXX XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against XXXX XXXX for failing to protect my consumer rights Also Equifax have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also inquiries that I did not authorize XXXX have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
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 payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2008 Balance {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/XXXX I had an unrecognized Hard Inquiry Done by " Bank of America '' according to " XXXX '' credit reports. I discovered this on XX/XX/XXXX as my XXXX  credit score went down by XXXX points which was reported to me from my current bank " XXXX XXXX '' I have not applied for any loans, Credit cards, or any other service from " bank of America '' or any other institution, business, etc. that requires a credit check sense the date of XX/XX/XXXX, as that was the date of my last credit card application.I believe this Hard inquiry to be fraudulent. I have already informed " XXXX XXXX XXXX Fraud department, which in addition has discovered other inaccurate information that has been corrected. As well as posted a Fraud alert. It was recommended to file a complaint with the CFPB by " XXXX ''. I have not been able to contact a live person/ Fraud department representing " Bank of America XXXX at the time of this writing to ask/inform them of the situation.

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