BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2019-06-17
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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..XXXX   XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 convergent XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was defrauded out of {$790.00} when calling what was said to be XXXX  customer service I was told my account was in jeopardy & needed me to do a XXXX  transfer that would bounce back. That was not the case I felt very uneasy about it & should have listen to my gut the man instructed on me what to do & press I was under major stress & thought I was doing the right thing. Within an hour I contacted my bank & told them I believed I was being defrauded. I was right, they tried twice saying they messed up the first time. The Bank stopped the second but refuses to refund me for the first although I have screen shots of the banks message saying it would be reviewed since it wasnt a normal action on my part. They denied my claim twice. I am not a rich person & during a pandemic its caused so much stress & mis-trust in myself & Bank of America. They claim to protect their clients but me & thousands of others have been taken advantage of because of 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 2020-02-04
Company: Experian Information Solutions Inc.
State: CA
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 have been working on repairing my credit for about six months now. I have been consistently sending letters to Experian during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Experian is hindering my efforts. I am trying to better myself and get a better job but Experian will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Experian below.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 


Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DOE XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-01-01
Company: DISCOVER BANK
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid 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:
There were two charges on my account I did not authorize on my credit card ( discover card ) on XXXX for {$540.00} & XXXX {$400.00} plus fees comes to total of {$990.00}. XXXX department already decided they will not refund my money. I have submitted documents this was not me, yet they are not providing any proof this was me and not providing any documents of showing my signature on any documents. 

Discover card address XXXX XXXX XXXXXXXX, XXXX XXXX, OH XXXX Card Number ending XXXX TELE # XXXX XXXX XXXX ( XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TradeStation Group, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TradeStation approved my account and I qualify for a cash bonus in the amount of {$500.00} for making a {$10000.00} to that approved account. Now, TradeStation refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating TradeStation is using this promotion to lure investors to their platform - and then refuse to honor the terms outlined. This evidence suggest that TradeStation is aiming to expand their client base under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent

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 2022-05-17
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against Equifax for reporting a collection account without reference to the creditor name, address, or phone number. Please see attachment labeled Equifax Exhibit A.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Security Credit Services had the collection from XXXX XXXX XXXX for an auto loan that got repoed. I paid the debt to the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My credit has been frozen at the 3 Cr Bureaus for 5+ yrs. Scammer unfroze my XXXX acc and applied ( XXXX ) & obtained a Capital One/Walmart XXXX ( XXXX ). I got the card in mail at my home address ( XXXX ). So did he/she. I called and reported the Fraud to Cap One and stopped any use of said cards. 
He/she also tried to open a XXXX XXXX c/c, which was denied for lack of supporting docs ( XXXX ). I've spoken to XXXX as well. 
He/she also got onto XXXX and used my acc there to order ~ {$1000.00} worth of restaurant gift cards & merch to his/her address ( XXXX ). I've reported that as fraud also. I've returned the one item that was fradulently ordered & sent to my home to get refund. I've gotten new cards and mbr # from XXXX ( XXXX ). 
He/she also hacked into my XXXX XXXX XXXX XXXX ) and tried to access a XXXX service XXXX XXXX to XXXX money to others. XXXX was advised of fraud ( XXXX ). I have since shut down those acc. too ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a bank of America Alaska miles card holder and I have been for years. I have never once received an advertised companion fare. I have called them multiple times about it and they said that my companion fare is released when the annual fee is charged. I was charged my annual fee on XXXX  and there is no companion fare available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-05-12
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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-07-06
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: OH
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 the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to pay debt and provided them my card info XX/XX/XXXX. They called me back 4 times from 4 different numbers asking for my card information again each time. I then called then called XXXX who the account was for and paid them directly XX/XX/XXXX. I notified the collection agency to remove from my credit file and they said they havent been notified by XXXX. On XX/XX/XXXX I did a conference call with XXXX and the collection agency and they confirm payment and provided reference number for the payment. Then two weeks later I called again because it was still reflecting on my credit file. The collection agency said they needed to investigate. I sent an email with payment confirmation to XXXX XX/XX/XXXX its still on my credit file and XXXX removed it from collections when payment was made XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a 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 2022-05-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I had {$1100.00} transferred out of my account to an unknown account that was under my name. I did not authorize this, nor did I make that account. After contacting chase and informing them it was fraud, they returned my money on XX/XX/XXXX. On XX/XX/2022, they concluded their investigation and determined that there was no fraud at hand, and once again removed the {$1100.00} that they had given to me back. I called chase again, and they said I should go make a police report and then come back, and the case would be reopened. I made a police report, and they were able to give me information on where my money went to, however they told me I would have to call that bank and close my account there and ask for my money back. I called the bank XXXX XXXX XXXX XXXX and they found the account and closed it, however, we're unable to return my money and told me to talk to chase about it. I called Chase and they said my claim was still denied, despite making a police report and doing what they told me to do. They told me to return to the police and ask them to investigate, however, the police said they can not do anything as they have no jurisdiction out of state. At the moment, I'm stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
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. 

Account name:XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : 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 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 2018-05-24
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a first time homeowner. I purchased my home with Freedom Mortgage back in XX/XX/XXXX. I was on-time with my payments until I got a notice in the mail in XX/XX/XXXX stating that I had an escrow shortage and that my payments would almost double if I did not send a check in for the shortage. My taxes were wrongly assessed, as I did not file for legal residence in my county before XX/XX/XXXX. This put me in the 6 % tax bracket for my home instead of the 4 % that I was originally placed in when purchasing my home. On XX/XX/XXXX, I filed the necessary paperwork to claim legal residence and get my property taxes reassessed. I let Freedom Mortgage know that this was the case and stayed in contact with both them and the tax assessment office. On XX/XX/XXXX, I received paperwork from the tax assessor 's office, which contained my updated/corrected taxes for this year. I sent this to Freedom Mortgage and contacted them regarding this issue. 

I contacted Freedom Mortgage this week to check on the status of my escrow and tax issue. The representative let me know that they have an estimated finish date of XX/XX/XXXX to get my escrow account corrected in order to bring my mortgage payment back to its original amount. Freedom Mortgage will not escalate this ongoing issue unless they do not have it corrected by XX/XX/XXXX. I have not been able to make payments since this all started back in XX/XX/XXXX. This, of course, has been an ongoing issue for almost three months with my mortgage company, which is absolutely astronomical. I will NOT go into foreclosure or file bankruptcy because of a mistake that my mortgage lender refuses to fix in a timely manner.

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