BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX account begining with XXXX has violated my rights. 1 5 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

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 2022-11-11
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a digital letter from Lowes/Synchrony that my credit limit was being lowered to {$100.00}. Due to a XXXX credit score, Lack Of Real Estate Secured Loan Information, No Open Bankcards In Your Credit File, Balances On Accounts Too High Compared To Credit Limits And Loan Amounts, Delinquent Or Derogatory Status On Auto Accounts Is Too Recent. 
This is my true info : Total Accounts 34, 18 open accounts / 16 closed accounts. On-time payment history 100 %, 0 late payments, Excellent Rating. Derogatory marks 0, 0 collections / 0 public records, Excellent Rating. Credit card usage 13 %, Good Rating. Credit score over 750.

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 2023-05-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX account begining with XXXX has violated my rights. 1 5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: LEXISNEXIS
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:
I am the consumer, original creditor, and natural person. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Lexis Nexis infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report and sold it to XXXX, XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Lexis Nexis never received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX. I also never provided Lexis Nexis with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXXXXXX 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$140.00}.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX. I attached a letter from the court stating that they do not provide any information to any credit bureau, which these companies said they did a proper investigation.I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter.

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 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my debit card at a gas station. The first attempt no money was disbursed. The second I received my money. When I checked on my phone while still at the location I noticed two withdrawals. The owner said that often happened and if my money wasnt shown correct in the morning he would reimburse me. That was the XXXX of XXXX. 

In the morning both charges were still on. So I decided to call my bank, since I was sure they would reimburse me, and if not the owner had said he would. 

The bank took forever. So I cancelled my claim on the XXXX, only to reopen it on the XXXX as the owner was now refusing to pay. 

Last night, I texted the owner, once again he failed to respond, after I learned my bank didnt reopen my claim as I asked on the XXXX. I then called the police. 

Today I have attempted to contact the bank once again but they are not being helpful. I am due {$32.00}.

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 2023-03-10
Company: First Advantage LNS Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights acct # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-03-10
Company: Synovus Bank
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: Old information reappears or never goes away

Complaint:
First Progress is reporting false information and have failed to remove the item off my credit although I paid the balance as agreed for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: MO
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 been disputing my credit with all XXXX credit bureaus from addresses that were not mine, fraudulent bankruptcies and student loan accounts that are not mines and they have failed to removed these items even after sending a police report that I filed in accordance with the disputes. I have been disputing these items since XXXX of 2022 and they still refuse to remove certain items. I need these items removed immediately or I will have to take this further because the bureaus are not taking identity theft serious and violating my consumer rights. Attached are the disputes that were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX RE : ( Business checking account number XXXX ) Dear Bank of America XXXX XXXX name is XXXX XXXX who has been loyal preferred rewards XXXX XXXX customer since XX/XX/XXXX. I opened a business checking account number XXXX and linked all my bank of account and XXXX edge accounts together. As you can see, on my account page, Bank of America ( BoA ) determined my business checking account as platinum honors preferred reward customer ; as a result, I relied on Bank of America information and kept all my accounts over {$100000.00} together. However, Bank of America charged monthly fee {$29.00} from XX/XX/XXXX through XX/XX/XXXX. When I inquired the bank of America customer service, BoA customer rep acknowledged that this is a BoA system issue but only refunded me for XXXX month monthly service fee of {$29.00}. Because of BoA systemic error, as a customer Im being penalized for following BoA policies and procedures, which is totally wrong.

In conclusion, I hereby respectfully request bank of America follow consumer financial protection bureau and banking rules and regulations and stop unethical practices for incorrectly charging me XXXX months monthly fee of {$29.00} in the total of {$89.00}. Also going forward, I already ensured I kept my business accounts balance over {$15000.00} knowing that BoA has a systemic issue of incorrectly determining customer reward status. I look forward to your reply and a resolution to my problem. 
Sincerely, 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 monetary relief
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was having financial difficulties on my job and tried to communicate back forth with them and ask them to work with me but it became to a point where they wouldn't work with me no longer and was trying to make me pay double and I wasn't able because I was already having a hard time on the job that I had being lay off. 
Account name JPMCB AUTO Account number XXXX .... 
Recent balance {$10000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$9300.00} written off. {$10000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) XXXX, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX ( s ), ( e ) Federal Reserve form XXXX XXXX ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX. in accordance with basel XXXX accord and XXXX. conventions. I also asked them to present the same documents from the following vendors/creditors as well as the original contracts so that I can verify the validty of my signature : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and they have not provided me with the requested information, Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
On XXXX XXXX I receive an email from this XXXX  aka Comenity bank with XXXX XXXX XXXX XXXX open with {$400.00} Id never apply to this company Im out of the country dealing with a family emergency so I did try to contact the company and they saying I have to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Garcadia Financial LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I was car shopping on XX/XX/2019 and found a car that I was interested in at XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX, GA XXXX I expressed to my sales rep that I did not want to apply for financing yet before looking at my other options because of the hard inquiry. He literally said that it would not do a hard inquiry and that I should at-least see if I'm approved before leaving. So he talked me in to it ***as long as it did not do hard inquiry*** XXXX & XXXX CA both did a hard inquiry on my credit that day, XX/XX/2019, unauthorized. 

I can not find where to dispute this with the companies. 

The next day I purchased a car at another dealership. The XXXX inquiry on XX/XX/2019 was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I successfully discharged my XXXX XXXX XXXX  with Navient in 2016 when I became permanently XXXX and diagnosed with a rare XXXX. I was unaware about the major differences in the discharge process from Federal to Private loans and was fortunate enough to have my co-signers continue making payments because I could not and now I have been granted XXXX  due to blindness. I contacted Navient after receiving many types of billing statements and letters regarding one of the XXXX currently active being past due because my co-signer has had significant financial setbacks due to XXXX and can not afford to pay them. I submitted my proof of XXXX award letter from Social Security and was told that if I made a {$50.00} payment on the past due account it would place a forbearance on the account for a year I was also informed that it would no longer reflect it being past due even though it never showed an amount due other than XXXX.and my credit would recover from the massive hit it took when Navient started reporting it as past due. To my knowledge that has no happened. When I go to my account information it still shows as past due I am told but that no payment is currently due. My other 2 loans appear to be in good standing and one has been in forbearance for some time. I was also emailed by Navient recently that my forbearance will be ending soon. but then another email states that a new forbearance was just started. They are well aware of my medical and XXXX issues yet they confuse me by not doing what they say they will in addition to requiring even more documentation which is difficult since I am homebound and XXXX XXXX XXXX presently. Why is the official award letter from Social Security not sufficient enough rather than having to request from my XXXX and very detailed report regarding my XXXX and one that costs money to do and that is providing information that XXXX might find to be a violation of my medical records to people unknown? I am also preparing a malpractice lawsuit against the doctors that have made me XXXX XXXX XXXX  so it is questionable and uncomfortable to ask them to spend time filling out the details. I could discharge my Federal loans easier and faster than my private loans at a time when my life is in the balance and the stress over resolving these few loans have ruined my credit and caused me great XXXX  and hardship. I will attach statements confirming my complaint for review.

Company response to consumer: Closed with explanation