BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$450.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-07-04
Company: Experian Information Solutions Inc.
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:
My identity has been stolen and used. I have a collection for XXXX XXXX and several inquiries that need to be deleted immediately. My identity theft report has been attached 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 2023-02-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, XXXXSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX case # XXXX and XXXX Attorney General of Texas. Under 15US Code 1681 ( A ) and 15 US code 1681 ( I ) ( 5 ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and mis leading when the court dont report this type of account. Under 15 US Code 1681 ( b ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is idenity theft.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now 2 1/2 years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXX.2 1/2 yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!

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 2022-02-03
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made several attempts to various CSR ( customer service reps ) to make a payment on my card. I thought that my next payment would be small and that I would be able to easily pay-off my balance only to learn that none of my payment attempts were rectified and were ever processed as promised by the multiple CSR 's I spoke with. On XXXX separate ocassions I was told to use another account and the last person I spoke to stated that I can process a payment through my checking or savings and they accepted another payment. Nevertheless, and yet again my account balance was the same and no payment was ever processed. Notwithstanding, I stopped receiving any online ( email ) communication from this company. I was eventually contacted by this company recently and that is when I learned that my account balance status still had not changed. I sent in yet another payment attempt but this time I took the safeguard of recording this payment and I now I must wait to see if this company will process this latest payment sent. In addition, the CSR was to cancel my card and apparently that didn't happen because they sent me a new card which is not what I asked for. Of course I discarded this card, as I intend to never buy from this seemingly dishonest company again. I see from their record others are having various problems with this same company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: LEXISNEXIS
State: SC
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:
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. 

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XX/XX/XXXX you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX added the incorrect balance to my credit report after verifying the correct balance. I spoke with XXXX XXXX who misrepresented himself as a supervisor, and was unable to help me. I then spoke to XXXX XXXX ( supervisor of customer advocacy ) who stated there's nothing he could do about the balance until they verify it. This is extremely frustrating because I sent a copy of the discharge letter. The customer service I received from both XXXX and XXXX was very upsetting. I definitely regret that XXXX XXXX transferred my loans. Now my credit report is suffering due to this mistake. According to XXXX, it could be incorrectly reporting for 90 days or longer!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection company only sends the amount of the debt but not the breakdown of the amount owed, and the dates the money was owed. The XXXX XXXX XXXX has also requested this information on numerous occasions on my behalf. I went to the apartment complex office to see if I could get this info and was told that a new managing company now manages the property and they don't show a balance owed in their system. The law offices of XXXX and XXXX ( that represented the apartment complex ) said that they sent the proof of payment to the Managing company they had on file but the apartment complex has not updated with the XXXX courts. XXXX and XXXX XXXX offices no longer represent the XXXX XXXX apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 Experian deleted payment History for account XXXX XXXX XXXX that violates FCRA. Account was also not marked " Disputed by consumer '' and status update date was not updated for investigation. How can Experian verify and update account with incomplete and inaccurate payment History? I requested account be removed due to errors and violations on report, however, CRA updated and verified account as accurate.

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 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have never used the transactions from XXXX XXXX and I never authorized anyone to use all these transactions from XXXX XXXX. Someone used it fraudulently so I had diputed with Bank of America and they had concluded that I used them. 

My credit card account number is XXXX XX/XX/24 XXXX ( XXXXXXXX Account ) I want to know what kind of evidence you have that I have authorized all these transactions and who authorized them..

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 2023-09-20
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received correspondence like millions of other people to recertify my student loans and to apply for the new SAVE program as soon as possible. On XX/XX/XXXX, I followed the link of my servicer 's website ( AIDVANTAGE.COM ) which redirected me to FAFSA 's website. This was nothing new, as XXXX did the same thing. I followed the directions and applied for the SAVE program and directly linked FAFSA to my IRS account successfully. I was tentatively approved on the new program for XXXX XXXX/month and XX/XX/XXXX pending review and acceptance from my servicer. According to the application progression on FAFSA 's site, AIDVANTAGE provided acceptance and approval on XX/XX/XXXX. I received a bill from AIDVANTAGE XX/XX/XXXX for {$300.00} due late XXXX. I emailed AIDVANTAGE because their telephone number was busy repeatedly and their chat function said " closed try during business hours. '' I received a response on XX/XX/XXXX saying they never received an application and that I had to complete a repayment plan exit before changing to the SAVE plan which included paying one full month on time payment. So they gave me 8 days notice to pay over {$300.00} when I was led to believe my payment would be {$0.00}. I tried to schedule a call back and there are no dates or times available. 

Even today when you go to aidvantage. com, there is a popup window that tells you to go to studentaid.gov to apply for the SAVE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 expired. They said they sent a card. never received. we aren't the post office. They used to send emails giving the consumer a heads up. They don't now. When addressing the issue to the branch manager on XXXX XXXX in XXXX Florida he seemed more concerned about his accolades rather fixing the problem, kind of rude. Customer service was rude and didn't seem to open to listening to the complaint. They should send this signature certified. People being unable to get their debit cards and the bank failing to put policies in place to ensure it happens, signature certified, head sup they are coming, verification it was received after 10 days etc. - without these all leads to definite consumer harm and is an unfair practice. Bank of America should know better. 

Rude managers and customer service members who do not care are not the answer to potential consumer harm

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 2023-04-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim XXXX XXXX XXXXXXXX As you are aware, I fXXXX XXXX to identity theft, a distressing experience that compelled me to file a police report. Subsequently, I submitted this report along with my XXXX XXXXXXXX XXXX XXXX Bank of America, as requested, to substantiate my claim of fraudulent activity on my account. Despite my efforts to provide all necessary documentation, I have been met with continuous denials, leaving me in a state of disbelief and financial hardship. Bank of America NEVER sent me sufficient information or documents on why they continuously deny my claim. 

I am currently undergoing my third reevaluation process with Bank of America, during which I have provided all the relevant support documents. Regrettably, each time I have been denied the rightful refund of my hard-earned money. This situation has not only left me financially strained but also humiliated and dejected. 

I would like to emphasize that every transaction totaling XXXX  on my account was unauthorized and made without my consent or knowledge. It is disheartening that my appeals continue to fall on deaf ears. I had placed my trust in Bank of America to safeguard my financial assets, and it is disconcerting to feel like the bank is, in essence, robbing me of both my dignity and my money.

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 2023-04-04
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX Letters were sent to XXXX demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal. Demanded Wet Ink Signature Demanded Validity of Original Contract Demanded for bond to show affiliation with govt. Demanded for amounts and proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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 currently have a medical debt under {$500.00} with XXXX XXXX XXXX. I have disputed this debt with the XXXX, Experian, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company have violated my federally protected consumer rights. They have violated my privacy. I have went ahead and filed a complaint with the Department of State with New York State.

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 1681 section 602 A. States I have the right to privacy U. S. Code 1666b states that a consumer reporting agency should not treat any payment under a credit account as late for any purpose.

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