BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
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: Account information incorrect

Complaint:
I have been disputing these 3 accounts for months with Equifax concerning INACCURATE and INCOMPLETE information they have failed to provide : XXXX XXXXXXXX XXXX ( credit card account ) - PLEASE SEE PAGE 4 ON REPORT XXXX XXXX XXXX XXXX ( credit card account ) - PLEASE SEE PAGE 6 XXXX XXXX XXXX XXXX ( credit card account ) - PLEASE SEE PAGE 9 THESE 3 ACCOUNTS HAVE NO ACCOUNT NUMBERS : 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. If an item of information disputed by a CONSUMER is found to be INACCURATE or INCOMPLETE or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptlydelete that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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, Experian and XXXX have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning 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 2020-05-21
Company: EQUIFAX, INC.
State: WI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions 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 XXXX Account 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  has violated. 

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.

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 2023-04-30
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 XXXX Account 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 has violated. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit. 

1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit 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 explanation
Consumer complaint received 2023-04-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was compromised more than once. I contacted my bank ( NAVY FEDERAL CREDIT UNION ) to dispute these unauthorized and fraudulent transactions and no provisional credit was given and Im being told there is no date as to when I will have to wait to get refunded this stolen money.This is unfair to me that I have to wait for provisional credit when my account was compromised. Please make sure that NAVY FEDERAL CREDIT UNION fixs this error and refund me my money immediately as required by law. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ireceived a letter from Bank of America telling me they had detected suspicious activity on my credit card. Charges totaled over {$9000.00}. I learned from them that my address had been changed and my daughter added on my account as an authorized user. As I rarely used this credit card, I never received a bill, nor did I ever do any banking on line. smy complaint is that Bank of America never alerted me or inquired about the address change or additional user on my account. After filing 2 claims that were denied, they told me I needed to file a Police Report against my daughter to make a difference in filing another claim. I struggled with that decision... but filed the Police Report, but it was denied again. We are now at ages XXXX and XXXX having to take a Home Equity loan to repay this debt cause it is putting such a strain on our monthly income of XXXX. Bank of America definitely bears some responsibility for this fraud on my credit card. The fraud charges were done on XX/XX/2021. Claim denials on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 all say their research included my account history and/or the monthly account statements we sent you ... ... ... I NEVER received any monthly account statements and, again, hardly ever used this credit card. Thank you for any help or consideration.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion I thank you for applying updates to correct certain issues that I have called out. However there are still issues that remain. At this point I am requesting that you all delete the entire record for XXXX XXXX XXXX as you all keep having inaccuracies. You send me letters saying the account is verified and accurate, then I find and issue and you then update an issue, then somehow change something else in the report to appease the creditor who is clearly abusive and trying to extort me. The other Credit Reporting Companies have deleted this account. I expect you to comply with FCRA and do the same. There is nothing more for you to ask of them.Do not ask them to verify anything again. We have been back and fourth for 6 months and they keep giving you inaccurate information to keep hurting me. Your personnel must just delete the record promptly as in immediately. I have been hurt long enough. 
See the law below. It is invoked and should have been followed as the other Credit Reporting Companies did. Please delete now.

15 U.S.C. 1681i - U.S. Code - Unannotated Title 15. Commerce and Trade 1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-12-20
Company: EQUIFAX, INC.
State: ND
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 have contacted Equifax multiple times due to them combining mine and my brothers credit scores. My brother has filed many online disputes ( as he is the only one that can have access to an online profile- I am not given access to an online profile as they stated they can not fine my credit score?? ), and I have sent them a dispute via FAX ( number I was given by their worker ) XX/XX/2021 XXXX XXXX attn : dispute. They have my DOB and SSN listed under my brothers profile and out credit cards, inquiries are all mixed up. This has caused us not to be able to get certain loans, cars, etc due to this. It has caused higher interest rates and XXXX XXXX I can not get to through to them no matter what and I need someone to assist me in this. 

Their Dispute number for live reps. does not work, it states something about being closed due to covid?? The online disputes come back stating that they reviewed SSN card, Drivers Licenses and all other documents but no updates are very made nor are the credit cards split up how they should be and two profiles made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I fell behind on my Bank of America credit card account and it went into collections. I paid the account in full in XX/XX/XXXX. Shortly thereafter the Bank of American credit card entry was removed entirely from all 3 reporting agencies. Now a year later, I received an alert that a new line of credit was reported by Bank of America. It is showing as a charge off paid in full ; however, instead of showing the original delinquency date in XXXX ; it is making it appear as if it was charged off in XXXX. Bank of America has in effect re-aged the debt. Instead of the debt dropping off my report based on the original XXXX delinquency date, they are using XXXX and added 5 years of impact to my report. This after deleting all of it a year ago.

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 2021-12-06
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021 I purchased a phone on XXXX that was financed through a 3rd party named Affirm. The phone never arrived and XXXX states they applied a full refund to Affirm. Affirm processed a partial refund and then has continued to try and collect the remainder they say I owe. I received no product or money. How is this legal? I finally paid them the balance after months of harassment. I even had XXXX call them directly. This seems like it should violate consumer rights. Hopefully you can help sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2019-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America Account # XXXX ( sold to Bank of America by Country Wide Home Loans ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX- Phone-XXXX Complain is about the unacceptance of my mortgage payments since XX/XX/XXXX,  verbally notified my brother in Georgia that mediation was denied. Imposing an insurance fee of {$1100.00} and increasing my monthly payment to {$2600.00} instead of previous mediation fee of {$1500.00}. On XX/XX/XXXX, I was suspended from my Job and requested a mediation which was approved on XX/XX/XXXX approximately with a mortgage payments of {$1500.00}, during those years, mortgage was paid in accordance with was established. On XX/XX/XXXX I suffered and Accident with a consequence of XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX and other conditions, immediately I moved forward and notified the Bank assigning my Brother thru a Power of Attorney that my financial situation and income will be affected awaiting for Retirement and Social Security Benefits, I never refuse to pay my mortgage, my brother was seeking for information and requested another modification due to my new income. I paid the Bank {$36000.00} dollars to update the mortgage and the Bank requested a payment of {$1500.00} which I paid till XX/XX/XXXX.On XX/XX/XXXX. my brother went to the Bank personally and the employees refuse to accept my payment of {$1500.00} because the amount changed to {$2600.00} on a monthly basis. We requested the reasons of the new mortgage ( increase ) rate and receive negative responses verbally and never in writing explaining the reasons. On XX/XX/XXXXmy brother was notified via telephone that the mortgage new payment it was because the Bank selected a property insurance vendor without my consent or authorization, but again nothing in writhing was informed. I have a personal insurance and awaiting my Personal Insurance Property Agent. My property suffered damage due to the Hurricane Maria, I sent the bank all information which included  pictures, I needed to arrange the doors, electricity, floors and other damage. My safety and property safety was important. Today I received a letter from the Bank requesting me to pay {$25000.00} and I dont know why? all these amounts including pay off amount of {$260000.00} in a property less actual Value of {$14000.00}. Bank of America is forcing foreclosure and creating me emotional distress. Bank of America is not compling with ADA Law and Territorial Laws. 
Please HELP!

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 2023-05-31
Company: Experian Information Solutions Inc.
State: TX
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:
on XX/XX/2023, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred as Charged off i as a consumer is no longer by law responsible for this account after it has been transferred. 


In Accordance with the Fair act XXXX XXXX XXXX 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 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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 # 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.

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 2021-12-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had applied for a received a credit card intending to transfer a balance from one card to this new one. I called on XX/XX/2021 and spoke with a XXXX XXXX who told me they could provide an indirect balance transfer as they could not transfer directly ask Citibank owned both cards. I was told to buy something and make a payment. Once the payment cleared, I was to call back to process the indirect balance transfer. I placed a payment on the account for {$50.00}, waited for it to clear and called back. I was told the promotion that they offered me was no longer available and they couldnt go against the system. I was told that I was misinformed regarding how quickly things needed to be done, but I was never given a deadline. So now Im stressed before starting the new year and figuring that I need to sell the XXXX presents we have to provide.

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 2021-12-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I received a call from " Chase fraud prevention '' about a wire template being set up on my business account. I use quotations because this was actually a scammer calling from a Chase phone number. They altered me to the wire and asked if I would like to cancel the wire. Assuming I am talking to chase I confirm my personal info but do not tell them my account info. The use this information to wire {$42000.00} out of my account. The phone call seemed odd so I immediately went into my local Chase branch to alert them of the situation. They inform me the wire has been set up and delivered. I tell them this is fraud right away and ask them to cancel the wire. They tell me it has been sent and will try and recall the wire. What follows next from Chase customer service is a nightmare. As of today it is XX/XX/21 and I do not have my funds back and Chase is basically telling me this is my fault and I don't know what to do next.

Company response to consumer: Closed with explanation