BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
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: Reporting company used your report improperly

Complaint:
I recently pulled my credit report from EQUIFAX AND XXXX AND XXXX, and there's multiple inaccuracies, fraud, Identity theft and unauthorized use of my information without my consent! U.S.C 1681 ( b ). which is against the law under 15 U.S.C 1681 602 a section 2 ( A consumer reporting agency can not furnish an account without my written consent. an i never sent any type of instruction to report any of this inaccurate information an inconsistencies throughout all 3 reporting agencies I have 8 hard inquiries reporting from equifax and no accounts are open,15 U.S.C 1681 ( n ) to any of those said inquiries. so which have caused damage to my situation as a consumer, ive been denied credit that i am creditworthy for numerous times due to the inaccuracy and fraud these reporting agencies. My social security was used without any benefit to me and is Unacceptable, I the consumer have the right to privacy. ( 15 U.S.C 1681 602 A ) i never gave permission to report old addresses, old numbers, incorrect name across the 3 agencies. Under the FCRA and FDCPA these companies ( XXXX, EQUIFAX, XXXX ) I've even sent all 3 of these credit reporting agencies update on my address and number and full name. And still hasn't been corrected fully. they have violated my rights as a consumer and I DEMAND compensation for EVERY VIOLATION and CORRECT MY REPORT or you will be held accountable for civil liability according to 15 U.S.C 1681n ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX. Company 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 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I already filed a complaint to the CFPB and put a fraud alert on my credit report, and, despite this, Kohl 's STILL approved the credit card, where the person made expensive purchases affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am writing this Complaint concerning the high interest rate on my Used XXXX  XXXX. I understood I signed all the paper work for the car and the interest rate. I am not struggling to pay the note but my concern is the interest rate being 21 percent. I know if I could get the interest rate lower the note will automatically get lower. This complaint or concern is for Credit Acceptance.

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 2019-11-03
Company: Ditech Financial LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX XXXX and my address was XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX County, NJ. My home is in foreclosure with Ditech Financial. I am attempting to proceed with a deed in lieu however, they advise me there is a judgement against me. IT IS NOT. The judgement is against XXXX and XXXX XXXX of XXXX, NY. It was filed in XXXX County, NJ by a gentleman named XXXX XXXX in the amount of {$11000.00}. 

How does this get corrected? The mortgage company will not listen and has been stonewalling me since XX/XX/2019 - advising me about this judgement last month. 

Please tell me how to fix this - I have no money as I am unable to find gainful employment in the state of NJ that will support an apartment and fear I will be homeless soon. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Fed loan services is reporting XXXX confidential non public personal information. XXXX XXXX is dependent on privacy. XXXX in XXXX does not Include Transactions and Experiences between consumer and person making the report

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-07
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I received an email stating that someone had tried to buy {$1200.00} of bitcoin through my PayPal account. The email included a phone number to call if I had not made the purchase. I called the number and the male I spoke with told me that he did work at PayPal. During the conversation I stupidly allowed him access to remotely sign onto my XXXX. He said to Venmo him {$400.00} which he would refuse to accept to fix my issue. I stupidly did that. He later asked to to use XXXX to send money so I hung up. When I realized that the {$400.00} Venmo had not been cancelled as he assured me it would I called my bank and put a stop payment on it. Venmo has emailed me several times and froze my account trying to get me to release the {$400.00}. They even contacted my bank which refused to release the money. I called and spoke with customer service at Venmo twice and emailed them twice explaining the scam but that did no good. They will not allow XXXX to close my account and keep emailing me That I owe them the money. My granddaughter tried to send me {$4.00} and Venmo kept that money and said I now owe them {$390.00}. Im only out {$35.00} ( the money I paid to stop payment and the money my granddaughter sent me ) but I want that off my record snd want to collide my Venmo account. Ive asked them to stop harassing g me and have not received another email for several days but my account remains frozen with a debt. I dont know if this can be held against me through any credit agencies but feel it should not. Is there anything that can be done so I can close my Venmo account and stop them from keeping any money meant for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my XXXX credit report I noticed a hard inquiry from Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The phone number given was ( XXXX ) XXXX. I have not requested a credit card of any type of credit from this bank. 

I called the number and was asked to provide my social security number or account number. I tried to speak with a person but was unable to do so. I contacted XXXX via their online chat and was told I couldn't resolve inquiries through XXXX. I was told to contact the company. As I suspected I would not get " help '' without providing personal information to a company I suspected of being a scam I refused to do this. 

I am at a loss. I did not request credit from this company and don't know how they got enough info on me to place a hard inquiry on my credit file. An internet search did not settle the matter. Many say the phone number is for a scam, but others say it is legit. Other than monitoring my credit file to see if something new appears from this bank, I don't know what to do.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2021-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Everything that I have attached has been sent to JPMORGAN CHASE & CO. signed and notarized.

- 15 USC 1692b ( 5 ) the symbol in the top left give me anxiety because I know its from a debt collector by the logo. JPMORGAN CHASE & Co has never given me cure or relief so why would I associate this symbol with anything other than debt collection. All communications received on XX/XX/XXXX at XXXX relates to the collection of a debt for account number ( s ) ending in XXXX, XXXX and XXXX. 
- 15 USC 1692c ( c ) I the consumer, a natural person and original creditor submitted a cease and desist of illegal activity, including any communication unrelated to JPMORGAN CHASE & COs termination of further efforts to collect, notification of specified remedies which are ordinarily invoked and, to notify a consumer of a specified remedy they intend to take. Please see attached exhibit XXXXXX of proof that further communication took place. Also, an Affidavit is meant to be responded to with an affidavit in opposition.

- 15 USC 1692d ( 1 ) ( 2 ) to suggest that an attorney denies representing me a natural person and consumer, is an oppressive statement to which I deem obscene and damaging to my reputation. 
- 15 U.S. Code 1611 ( 3 ) if an organization fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. No further communication shall occur once a cease and desist is in place and that was violated because communication that followed, spoke on topics that did not pertain to termination of further efforts to collect, notification of specified remedies which are ordinarily invoked and, to notify a consumer of a specified remedy they intend to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX A dispute was completed with Orginal Creditor XXXX which resulted in the account being deleted because it was opened fraudulently. 

Here, I am again today with the same account on my credit report. Which violation # 2 of not completing a proper Investigation prior to furnishing information on my credit report. 

Not only did they commit the same violation it dropped my score it made it difficult for me to obtain financing. 

I spoke with XXXX on XX/XX/2021 and asked when a investigation took place and who was involved in Pursuant to 15 USC 1681a ( e ). XXXX was unable to to provide me any information of when and who the investigation took place with.

In pursuant to 15 USC 1681 A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

XXXX told me under the FCRA they are required to report which in fact is not true and a misleading statement and another direct violation. 

Also, I did not receive the proper paperwork within the timeframes under the FCRA. 

My only option from XXXX was to dispute. How many times do I have to dispute until Transunion does there job? This affects people livelihood and shouldnt be allowed to happen repeatedly.

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 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This organization Bank of america is not doing a good job in resolving this issue because they are investigating their own self. I would like for them to take my name off of the XXXX XXXX which they have falsely place me on without a proper investigation. I have been trying they gave me a number to speak to some who never answers their phone I have called and left messages countless times and was never able to speak to this person who I feel doesnt exist or do not want to be bothered. This situation is affecting my life because I'm not able to open a bank in any banking system because of my name being placed on XXXX by BOA without a proper investigation and this has been XXXX years now and no result.

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 2023-04-07
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone on XX/XX/2023 attempted to open two different credit cards using all of my information. The cards were with XXXX XXXX XXXX and Barclays ( XXXX XXXX ). Which resulted in two hard hits on my credit. I have been unable to speak with anyone with XXXX  XXXX XXXX and Barclays was only able to provide that the application were done online. I have put a freeze on my credit. I am making a report with my local police department. I want to have this investigated for future issues.

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 2021-09-03
Company: Experian Information Solutions Inc.
State: NV
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:
This is now my THIRD notice to this credit reporting agency for reporting fraudulent information on my report. 

I obtained my credit report that included false and fraudulent information on XX/XX/XXXX. I mailed an ftc identity theft report and a letter explaining this to the bureau. 

I have yet to receive any information about the results. When speaking to representatives - they said it was received and have no results pending. 

It has been two months and this information is still on my credit report impacting my life and my family 's life.

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 2021-11-08
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I wrote Commonwealth Financial certified mail in which they received on XXXX XXXX and asked that they provide me with debit validation and hippa authorization. This account is false and misleading according to 15 US code 1692e. Commonwealth financial can not produce an original application from me to say that I am liable for this alleged debt, which Im not. According to Rule 15 it has to be the original application and they can not provide these documents. They are also in violation of 15 USC ( 1 ) of the Fdcpa for harming my reputation by putting this false and misleading account on my credit report. I demand this false and misleading account be removed from my credit report immediately since they are violating my consumer rights under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Bread Financial Holdings, Inc.
State: IN
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:
This small account was opened under my name and information by a minor. It was brought to my attention through a credit monitor service and I paid it off and the account was closed. It doesnt look good on my credit. Ii have attempted to get it removed and have received no help. Its handled I just would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
hello there were a fe account on my credit report that I submitted and investigation for and they fell off my credit report. They appeared on my report again without any notice. According to section 611 of the FCRA 'the information may to be reinserted in the file by the consumer reporting agencies unless the person who in furnishing the information certifies the information is complete and accurate ' The FCRA also states 'consumer agencies shall notify the consume of the reinsertion in writing not later than 5 business days after reinsertion I have listed the accounts they reinserted below XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a bank locker at the Bank of America location on XXXX XXXX XXXX, XXXX, CA XXXX. 
I need to access the locker to get the pink slip to sell my car. 
But they have closed the branch and when I called the central phone number for Bank of America ( it took me 500 options, and 20 minutes to reach a human being ), they were not able to tell me when the branch would open and how to get access to my locker. 

Banks like meat plants should be essential businesses and have a way for customers to access their bank lockers. 

Please help. 

Thanks. 
Regards, XXXX XXXX ( XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  XXXX and XXXX XXXXXXXX XXXX '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX  XXXX and XXXX XXXX XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.

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