BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. All of accounts reported by credit reporting company have 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 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NV
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/2022, I XXXX XXXX, a real person, called Equifax. I was directed to the their Specialist XXXX. I expressed they were reporting inaccurate information on my credit profile. The initial dispute was regarding my car loan from XXXX XXXX XXXX. The account # for the late payments is # XXXX. She gave me the confirmation for this dispute as # XXXX. XXXX XXXX stated I had been late in the past on my car payments and that she could proceed with the dispute but it will not guarantee it will be removed. Well I am now aware of my rights and this is a clear violation under the FCRA, under 15 U.S. Code 1666b ( a ). This law states : Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor ( ME ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A credit card is defined under 15 U.S. Code 1681a means ANY CARD, PLATE, COUPON BOOK, or either credit device existing for the purpose of obtaining money, property, labor, or services on credit. I had to give my Driver License to proceed with the purchase of the vehicle, which is a CARD in fact. Please remove this inaccurate information as it it damaging my credit worthiness to lenders, as I am in the process of purchasing a home. If this is not removed, I will seek remedy under 15 USC 1681n for damaging my credit profile. We all know what I can sue for so just delete the items. I would also like a letter stating it was deleted and it be sent to the correspondences to email : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have disputed these items and i havent received any documents or results from their investigation and it has been more than 60 days. the only information received was that they verified the bankruptcy with the court and thats a lie. i submitted the court letter i received from court and i still didnt get the items deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got a credit card from  US B ank, the  XXXX   XXXX  card. I pay an upfront fee, and get a credit limit. All perfectly ok. But I use the card daily pay it off every few days, and unknown to me I 'm blocked from using the card after paying it off twice witin my time period even though I have plenty of available credit on my card and not been late once. I was never told I was capped out on using the card AFTER I 've paid it down to {$0.00}. They sell the card based on the points you should be able to accumulate by using it, but then secretly do not tell you that you can accumulate points by using the card once you reach some random specified limit. I would not have paid the {$60.00} sign up fee to use a card that limits my use if it in such a manner where it 's paid off appropriately and I STILL can not use 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 2017-05-04
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It appears tha t EOS CCA might  have purchased my debt from another company, or otherwise reported the wrong delinquency date from the origional account. The origional delinquency date was sometime in   XXXX   and they have just reported to the credit bureau or my credit report reflects the date as   XXXX   XXXX   XXXX  , which has obviously affected my  credit score  dramatically. Federal law requires that collection agencies report the origional delinquency date from the oridional account. I want this corrected immediately. I also never received a single letter from this company regarding the debt. The debt was incurred as  XXXX  failed to meet their corporate responsibility in reviewing my account for false charges on my account. I expect this debt to be removed in the federal  7 ye ar time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CNG FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my transunion credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: OneMain Finance Corporation
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:
Between XXXX and XXXX XXXX XXXX ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
n accordance with the fair credit reporting act XXXX XXXX XXXX credit # 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 an account without my written instruction.

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 2019-02-07
Company: Main Street Personal Finance
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A company claiming to represent XXXX XXXX- A payday loan company that I neglected to pay contacted me threatening to seize my vehicle, claiming that I committed fraud and other allegations Company name is XXXX XXXX XXXX XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


I would like to bring your attention to the following fraudulent accounts on my credit report : Account XXXX : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$300.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$820.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Account XXXX : Creditor Name : [ XXXX XXXX / XXXX XXXX  ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Credit Inquiries : 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 explanation
Consumer complaint received 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My intended recipient didnt receive my money ( {$2000.00} ) on  XXXX   XXXX ,  2016, I  requested Bank of America  ( " Bo fA '' ) to provide me an official document or the transfer history through online banking which can show me where my money was transferred to, but they didnt and no any respond to me by now.   The information about this transaction from the bank statement and online banking transfer history I can get by now only included the transaction date, my intended recipients name and the amount ( Please refer to the attachment ). But, since my intended recipient didnt receive the money, the information what I got did n't show me exactly where my money was transferred to on  XXXX   XXXX ,    2016.

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 2016-12-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/2016, I closed my acct in person at HSBC on XXXX. Around XX/XX/XXXX I receive a note that I owe {$35.00} for overdrawing on my acct and insufficient funds. The amount allegedly overdrawn on my acct was {$45.00} - exactly what I took back from my acct upon closing it. I am XXXX. Ca n't go outside. Do n't want to talk on the phone. I have emailed them and tweeted them explaining everything. All they do is keep telling me to come in or call. Since XXXX they have taken me around in circles. All they need to do is look into it and send me a letter saying my account is closed and that I do n't owe them. I am now wondering if they even closed my acct or do they just send bills out hoping that someone wont pay attention and pay the {$35.00}. The fact that customer service ca n't help me leads me to believe that they are outsourced and are there for appearance only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not liable and refuse to pay this debt with XXXX, I have no contract with XXXX XXXX XXXX  in regards to account # XXXX. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance

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 2023-08-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-04-15
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since I took out a loan from XXXX XXXX with my mother-in-law as a cosigner to pay for my tuition, I had no idea that I was dealing with the worst scammers and abusers ever. When I graduated from XXXX XXXX XXXX in 2020, XXXX XXXX XXXX  in XXXX XXXX, Oregon, advised me to settle the balance once I am no longer enrolled by paying a {$4000.00} fee. I informed them that I will begin working on it because I am in school. I was occupied with work and school because I had already started graduate school. I eventually invested my assets in fraud and lost them, and I was unable to get them back. Police, the FBI, and the bank all tried to assist me, but the effort was in vain. 
All of these credits suddenly demanded payment for their outstanding balances at once, forcing me to start over. I instructed them to wait. I had to stop going to school for a while so that I could work harder to pay the costs. Before I knew it, XXXX XXXX had teamed up with FirstMark Bank IncXXXX to pay off their debt. They never communicated with me and attacked the credit rating of my mother-in-law. She contacts me on a Saturday, and I immediately rush to the XXXX XXXX XXXX  on XXXX XXXX XXXX in Oregon to make a {$1700.00} payment. 
XXXX Bank reduced my credit score from XXXX to XXXX over the course of two weeks while refusing to amend my mother-in-law 's credit report. Even worse, XXXX XXXX  stalked me at work, at home, and everywhere else to get access to my social security account, XXXX account, net benefit, and bank information. Even at work, I filed a report about it with the union. They wouldn't raise either my credit score or that of my mother-in-law, which caused a split between us because of the decline in her credit score. 
Even today, XXXX XXXX XXXX  continues to stalk, harass, and intimidate me using other people. They intimidated me and harassed me by using my old attorney XXXX XXXX, XXXX XXXX ' attorney, as well as by physically pursuing me, defiling me, and faking an arrest for a default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America is saying that I had a late payment of 30 days late. I contacted them and they couldnt find that I was ever 30 days late, but this is still on my credit report. 
I made a payment of {$100.00} ( min was only {$38.00} ) on XXXX ( due date $ it was returned, on XX/XX/12 I made the minimum due payment of {$38.00}.

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 2023-06-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have disputed an item from   XXXX   credit several times. The amount showing owed is {$1000.00} which has been on my credit now fo r 9 years.  I called   XXXX   and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under  XXXX  and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.

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