BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX and DEPT OF ED/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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2019-02-11
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and Discover card ( the issuing creditor ) on XX/XX/18. Discover claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want Discover to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My servicer changed to Mohela around one year ago. I have tried countless times to contact the company to verify multiple things and can never get through to a person. Their website does not allow actual emails or messages either. When you click to message them it just takes you to an FAQ page. My public student loan forgiveness credit from the paus has not been updates. I want confirmation on which payment plan I am enrolled and what my payments will be starting in XXXX. 

Holding loans is stressful, all that is happening over the last few years makes it more stressful, and a company with poor business practice and nonexistent customer service makes everything worse. I pay on my loans and have filed all of the necessary paperwork for repayment and XXXX verification every year. Even if I didn't, I would still deserve to have my questions answered. It is truly despicable how this company is performing. Please help. There were times when the previous servicer, XXXX would not know the best answer to my questions but someone always answered the call. What can I do??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX and DEPT OF ED/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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Bank of America took a payment out of my Checking account without my permission. I am behind in my bills due to hardship. I saw it after this was done by the bank. can they legally do this? The Federal XXXX XXXX XXXX XXXX Section 226.12 ( d ), bars financial institutions from applying the right to offset credit card debts. 
this was done to my personal and business checking account. the business account onXX/XX/2023 for {$780.00} for a business credit card with Bank of America. And my personal account on XX/XX/ for XXXX on a personal credit card from Bank of America. my accounts and credit cards are from Bank of America

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 2023-06-20
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi, I had requested for XXXX XXXX XXXX in XXXX which is handled by XXXX XXXX. To process my request they went ahead to do a background check which was done by Equifax Credit Information Service. 

On Sat, XX/XX/XXXX, XXXX the request was simply disapproved on the basis as stated- 'Unable to verify identity information '. All provided information was accurate and can be investigated further. 

Instead this was reported as derogatory public record in my name- hence affecting my credit score. Here, there was nothing derogatory about my fillings, payments, billing, or information provided. I would say the investigation was inadequate on the bank 's side and I am being punished for their inadequacy. 

I could have been reached out to verify information further. 

I would like the reporting to be rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please read this statement and comply as it contains my full complaint and request : The discrepancies pertain to the following items : XXXX  XXXX XXXX : Account # - XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b UNKNOWN : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b Inquiries : I never applied for any of these accounts, haven't applied for anything in last 2 years! Please Remove Account Due To Permissible Purpose 15 USC 1681b Personal Information : XXXXXXXX XXXX XXXX XXXX XXXXXXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: AL
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:
Experian and XXXX have violated my consumer rights and Federal Law according to Fair Credit Reporting Act as follows 15 USC 1681i ( 5 ) ( A ), thus according to provisions 15 USC section 1681 ( a ) the items must be deleted immediately. I have sent two letter to both about this and no response. The letter went out XX/XX/XXXX, XXXX and XX/XX/2022.

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 2018-12-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018 I noticed that funds moved from my savings ( {$3400.00} ) and my sons college saver accounts ( {$4500.00} XXXX to my checking account with Citizens Bank. I went to the branch and needed to close down all of my accounts and reopen them due to the suspicious activity. At that time, the only mechanism the bank used to protect me from fraud was to freeze my online banking and not allow me, the account holder, to access my accounts to monitor them. I had to call customer service every day to monitor my account since I could not view my accounts online and was very concerned about fraud. On XX/XX/XXXX a fraud check in the amount of {$760.00} posted to my checking account and the bank did nothing to prevent it when I reported suspicious activity. I spoke with Office of the Chairman XXXX XXXX and asked why my account was not monitored for fraud when I reported that {$7900.00} was transferred to my checking by a fraudster. She advised that when a fraud watch is warranted the bank will watch the accounts. However, I had reported fraud and the bank still allowed a fraud check with an INVALID routing number to post to my account. In the meantime, I had to open a new checking account and when my new checks arrived, the vendor sent them with 30 checks missing right in the middle of the check range. Where did they go? The day I became aware of the {$760.00} fraud check I demanded the funds be returned. The bank did return the funds with a provisional credit. However, today I became aware the bank had debited out the provisional credit on XX/XX/XXXX from my new checking account. This was a fraud check with an invalid routing number XXXX and my routing number is XXXX. How did this check pass through the bank in the first place with an invalid XXXX and why did they take the money back from me? Shouldn't an invalid routing number be a red flag not to process the check? I asked for Citizens to research how a fraudster managed to transfer {$4500.00} and {$3400.00} from my accounts and also asked them to monitor to my accounts to protect me. All the safety mechanisms that should be in place to protect me failed. And now they took back the funds a fraudster took from me. Citizens never should have allowed a fraud check to post with an invalid routing number AFTER I reported fraud on my account. I am demanding the funds be returned to my account. My bank never should have taken back the provisional credit. I have attached a copy of the fraud check. The original account that had fraud is XXXX and the new account they debited the provisional credit from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX XXXX XXXX  refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every XXXX  dollar less provides a better score. 


XXXX XXXX XXXX XXXX - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXXXXXX  Last payment date:XXXX  Last payment : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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 disputed few items on my Equifax credit report and there investigation took more than 30 days and all the accounts are still on my credit report and all sudden the disputes stop and the accounts are still remaining on my file as fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax didnt do nothing to have these accounts removed for months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: WI
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 have fraudulent hard inquiries on my credit report List of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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 U.S.C 1681. 

( 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 ) 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 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 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 2018-12-17
Company: EQUIFAX, INC.
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:
Hello thank you for addressing this matter while reviewing my three credit reports I see a 40 difference between XXXX  and the other two. Turns out inquiries for a mortgage during a one month period by two banks are being counted individually by Equifax and XXXX.

So I signed up to have credit monitoring to correct hoping to correct the issue and was charged twice by Equifax yet they have not provided me the service. I have receipts of the online transactions via my bank.

Lastly my balances on Equifax and XXXX are not updated so they reflect a {$5000.00} higher than XXXX it seems the other two want to sell me services for credit cards and loans rather then reflect the true balance. 
Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Bank of America Pre paid card payments unreceived and still unresolved. On XX/XX/XXXX months after unreceived payments and a resolution to a debit card missing payments claim that I was denied of {$800.00} I never received. I received communication instead by email that the card is no longer available for my funds. I was later contacted by the Bank of America claims department that they decided to reopening my missing payments claim and that they would contact me with the resolution. I never received that call. I never received a resolution. No answers from the Bank of America claim center were received or resolved over this period of time. I was finally able to get through to Bank of America claims agent XXXX, on a recorded line. It shows according to this agent I was granted a resolution in my favor that they never payed out. I never received that communication until XX/XX/XXXX when I called and I was finally connected to someone that wanted to help. A duplicate account was found by Sarahs manager who would not speak with me about it upon my request. This account shows a duplicate account that was created unbeknownst to me. The Consequential harm continues. The faulty fraud protection program hardship continues. I asked to speak to a supervisor and waited for XXXX hour XXXX mins and was hung up on after finally speaking to someone with no resolution. Im am now 507 days after receiving of my initial communication and counting. I was told in my initial email that Informed me to only contact the Bank of America claim center for this resolution to these funds. Today was my final attempt of contacting the Bank of America pre-paid card claim center Agents to receive the resolution. The Contact for Bank of America Call Center given to me for this task, from my initial Communication is 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 monetary relief