BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2022-07-24
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 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 DATE XX/XX/2018

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 2020-06-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information.They wrote me back on XX/XX/2020 ( Confirmation # XXXX ) and said that the trade line was reporting accurately. I do not believe that they did a proper investigation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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:
Upon review of my Equifax credit report I noticed these unauthorized credit inquiries : XXXXXXXX XXXX  / XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: RI
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

This account does not belong to me. I was added as a temporary authorized user and was previously removed by the primary account holder of this account. I have attempted to rectify this issue with the company to no avail or proof providing this account was opened by me and belonged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: V and H Portfolio
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:
XXXX {$130.00} XXXX {$690.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$560.00} XXXX {$500.00} I wrote letters and called these companies to have these items removed from my report, has not happened as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED / XXXX : # XXXX, # XXXX, # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX 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.

These inaccuracies are preventing me from obtaining a credit card and purchasing a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: GU
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:
After contacting the credit bureaus in the past. I had discussed with them that the information reported across the three credit bureaus do not match at all. I was very persistent about the issues for many years and until this point nothing has been corrected or solidified fir accuracy. Other investigations have been conducted based on all disputes but nothing has changed. The accounts would come back as verified within days! 

According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This by the three credit bureaus have failed to conduct a thorough investigation and also have failed to do their role as a bureau for the consumer by law. All the bureaus did was contact the creditor directly to verify the account plus hard inquiries. They did not go beyond what was stated above. 

As of today XX/XX/2023, all three reports have yet to report 100 % accurate. Most importantly, per FRCA 15 USC 1681 everything on the consumers credit report must be investigated 100 % accurate. PLEASE SEE CREDIT REPORT FOR INACCURACIES. 

Accounts are as follows : XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 2022-07-24
Company: Experian Information Solutions 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 XXXX 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 customer Reporting agency cannfurnish a 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 explanation
Consumer complaint received 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Thursday XX/XX/XXXX, I received a text message on my phone that my card was charged {$210.00} at a XXXX. I immediately called Bank of America customer service to report the charge as fraudulent. The representative informed me that my physical card was used and it was a chip transaction. I was extremely confused and concerned because I had my physical card ending in XXXX and expiration date XX/XX/XXXX in my possession. After speaking with the representative and creating a claim ( Claim number : XXXX ), I received several emails from Bank of America with details how to track my claim and such. I further searched my email for emails from Bank of America and found an email dated on XX/XX/XXXX that stated Your credit card ending in XXXX is expiring soon. We sent a new card to this address, the email stated my card was shipped on XX/XX/XXXX and would arrive in 7-10 business days. I have attached a copy of this email to this document. I have never received that replacement card in the mail, which leads me to believe my replacement card was stolen in the mail either at the Post Office or from my mailbox and then used without my knowledge or permission at a XXXX in XXXX XXXX Connecticut on XX/XX/XXXX. I live and reside in XXXX, NY and have never used my card in or traveled to Connecticut. I still only have the card ending in XXXX that expires on XX/XX/XXXX in my possession. On XX/XX/XXXX, I was notified that my claim was rejected because it was a chip transaction. Bank of America completely disregarded the letter I sent them by fax explaining the situation. How can I be held responsible for a charge from a card I never received in the mail! They sent it by regular mail with no signature or registered mail. The customer service representative should have asked me for the expiration date listed on the card I had in my possession. It is abhorrent that the card could be activated or simply used straight from the envelope without any confirmation that it was actually in MY possession. I should not be held responsible for charges from a card I never received in the mail or activated myself.

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 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: 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 was on unemployment and Bank of America apparently sent my card to the wrong address. I never received the card so I figured it got lost in the mail and it wasnt a big deal that I would have the money when my savings ran out. I continuing to do my weekly certifications as usual but when I called to get my card they had said that it was sent to the wrong adresses, activated, and was drained of most of the funds in my account. I have no idea what adress they sent it to. The address it was sent to was never a address of mine nor did I ever tell the bank I lived there so it makes no sense why Bank of America isnt giving me the money that was stolen from me which I seriously need at this point. Every time I call the bank they tell me to call back later and their system is under maintenance. I have been fighting this for years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Alorica Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received an email on XX/XX/2022 that XXXX would be transferring my account to a company called SST. I was unable to log in to their website, and was also already charged a XXXX late fee. I had autopay on that did not transfer, and I also am not able to add a bank account to start making payments through the new servicer. I also am unable to see my loan vs. savings balance, and I am nervous that my savings balance will not be honored by the new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The bank asked me to send documents to verify it was my account so they could release the funds that was XX/XX/2020 now we are the XX/XX/2020 and all they keep telling me its in review im getting late fees on many things i had to pay and all they keep telling me is the same thing the bank is usbank relia card

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 2023-09-03
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to transfer money out of my account because they didnt have phone numbers and response took forever. There was no way to escalate an issue or even call them. When I went to transfer money out they froze my account for fraud. But yet havent contacted me. 

I tried to transfer the money out on XX/XX/XXXX. In the amount XXXX twice. 

The bank is a subsidiary of First National Bank of 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 2023-09-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
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 want to clarify that these inquiries were related to my efforts to secure credit for specific financial purposes, such as [ briefly explain the purpose, e.g., securing a mortgage, auto loan, or credit card ]. I assure you that these inquiries were necessary steps in my pursuit of responsible financial management and were not the result of excessive or frivolous credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).

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 2022-07-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Online wire transfer from my Wells Fargo bank located here in XXXX XXXX Tx, to XXXXXXXX XXXX XXXX but I cant have my money back! I need help recovering my money back

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 2020-11-13
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:
On date XX/XX/2020, I noticed that XXXX XXXX XXXX is still reporting on my credit report. This credit is over ( 7 ) years old. Due to the statute of limitations on debt in the state of NY in which I reside in this account must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: LDF Holdings, LLC
State: NH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I subscribe to Identity Force protection services and received an alert that there was a new short term loan inquiry from Lender Name : XXXX XXXX XXXX  Lender Phone : XXXX Date Of Activity : XX/XX/2023 XXXXXXXX XXXX  Loan Type : Payday Loan Last 4 SSN : XXXX Alert Type : New Short Term Loan Inquiry Address 1 : XXXX XXXX XXXX Address 2 : LenderAddress2 City : XXXX XXXX XXXX Zip : XXXX State : WI I did not apply for a payday loan and I have never heard of this company. We called them and asked how they received my information and they told us I didn't exist in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: LDF Holdings, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan from Evergreen Services earlier today, XX/XX/2020. 

I was told that the loan had been approved, but they explained that the loan involves a two-weekly finance fee of {$120.00} on a principal of {$400.00}. I asked what the APR was and they refused to tell me telling me that the payments were flexible and I could pay just the finance fee or some of the principal too. 

I declined the offer of a loan as it was too expensive for my budget, but I am concerned that they refused to tell me the APR when I directly asked for 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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX Electronic check payment to CA DMV ( XXXX ). DMV provided receipt which included 'Payment : Successful '. Transaction listed per online checking account. However, on XXXX DMV sent Demand For Payment letter referencing check decline and imposition of penalty for late registration payment. Penalty amount imposed was {$220.00}, which was paid by money order ( which came to XXXX ). A letter was then drafted and sent by certified mail to B of A in XXXX, Fl. Bank was advised of problem and asked why no alert/notice was sent re decline. The local branch in XXXX CA was advised of letter and requested to sort out problem. Meanwhile, XXXX provided a two sentence response to two page letter. Response acknowledged that there were sufficient funds in account, but that funds were not withdrawn to pay DMV. No reason was given for non-withdrawal of funds to pay DMV and XXXX CA branch could not provide any explanation nor yet offer any direction to customer to find resolution. 
Customer had to pay DMV an additional XXXX dollars through no fault of their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX inquiries on my credit report that I didnt give any authorization or approval to put on my credit report these are the Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation