BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
XX/XX/2021 XX/XX/2021 I paid XXXX loan payments to account XXXX and self lender is reporting late when I indeed paid 15 U.S.C 1681 Section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, 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 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX.. Account # XXXX ... Account Name .. XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX ... Account Name.. XXXX XXXXXXXX XXXX XXXXXXXX... Account XXXX XXXX 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. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: LA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My problem is with Credit Karma, they said I can apply for a credit card, and when I apply, the bank does not approve it, and that has affected my credit scores a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the morning of XX/XX/XXXX my son 's car was broken into and his debit card was stolen and subsequently used at a local XXXX for a {$49.00} purchase. Police were contacted and a report was immediately filed. I submitted all documentation to Chase Bank, however they are not authorizing the credit to his account as they are stating I did not submit enough proof of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have a student loan with Navient and I have a cosigner. I was put on a payment reduction plan since XXXX to qualify for a lower payment. I was notified by my cosigner that she has been receiving calls regarding the account being past due not informed that there was a payment program in place. I was not told at the beginning of the program that collection practices would still be in effect. I find it suspicious that she was not told of the program-if she is equally responsible, she should be equally aware of what's happening to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The Simple online bank has merged with BBVA USA, and since the merger I can not access my funds online. My money is in a protected fund that can not be access outside of an application or online banking, thus leaving me completely without any money while they refuse to fix the issues for millions of customers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX REPORTING A BUSINESS CREDIT CARD ON EXPERIAN WITH A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. EXPERIAN continues to report this fraudulent account on my report even though I disputed 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX {$1000.00} in {$500.00} increments was wired from my account without my knowledge and authorization. I was called by Wells Fargo that same day to verify if it was me that made that transfer. I told them no it wasn't me and to attempt to stop it. I was then sent in a circle between going in the bank branch and calling the fraud department for 3-4 weeks for them to finally tell me that the bank the money was withdrew from wont return the funds. I was not credited or refunded the 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 2020-11-30
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: Investigation took more than 30 days

Complaint:
I noticed that this company has been reporting inaccurate items on my credit report that are negatively impacting me. I reached out to these companies over 60 days ago and still haven't gotten my issues resolved nor have I even got a response. I attached the letters and documentation to verify my identity for confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MN
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MO
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 request for the removal of unauthorized fraudulent inquiry ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) from my credit report, which I believe is truely fraud and unapproved. After a thorough review of my credit report from your agency, I have identified this inquiry that require immediate removal. The Equifax Credit Bureau shall be rely on this issue and be removed this fraud item immediately. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the unknown inquiry from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of this unknown inquiry once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. I would rather ask for your assistance to remove this inquiry. This XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX is unauthorized and be assist me to removed it in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Consumer has requested several times for Transunion to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Transunion continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Transunion is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-06-01
Company: ARS National Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ARS NATIONAL SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX To : The XXXX XXXX XXXX XXXX for ARS NATIONAL SERVICES INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX  XXXX XXXX XXXX PA are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX  XXXX and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: PA
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 Account XXXX CO XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions Date opened : XX/XX/2005

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Representative or a law firm of Bank of America called me last week saying Im being sued for a bounce check for {$500.00} or something around there and they said they will be subpoena me soon I really dont know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: IL
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 accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # 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 XXXX : 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 2022-09-06
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 XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C. Section 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. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan 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 non-monetary relief
Consumer complaint received 2019-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
IM REACHING OUT And regards A IMPORTANT MATTER I Recently Applied For A Business Account In Got Denied Because I Notice that I Am in XXXX & XXXX XXXX XXXX, I WOULD LOVE to Explain What REALLY Happen To My Account. Ok I Did Work For A Former client & She Paid Me in A Payment method of A Money Order so I made my first mobile Deposit To my Bank of America Checking Account Not aware That The Money order She give me Was already Mobile deposit In A Another Institution so I reach out to my former Client To verify was the the money order Real or fake She confirmed That it Was not fake because it came from XXXX XXXX but what She didnt tell me she already mobile deposit it in a Nother institution. after I threaten her I Will take her to small court claims She Quickly confess In told me it was already deposited in a another institution before I had the money Order So she paid me in cash. So thats why Bank of America mark That The Money Order Was Fake it was a real Money from XXXX XXXX I had no idea that the money order was already deposited So They Close Out My Account Without a Notice So Im Asking For youre help! I PAID OFF THE Debt IN FULL. So can you guys delete inaccurate information or Even better removing me from XXXX XXXX XXXX Would love a Second chance to start my Financial future back Thank you appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: M&T BANK CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
on XX/XX/23 i remotely deposited a check for XXXX which immediately cleared my secondary account. M & T then froze my account with no explanation. Refused to clear it even after i verified all info. Refused to let me speak with fraud dept who froze my account. They kept telling me somebody would call but never did. I was out of State at my sisters funeral and they tied up all my funds for no reason. Now i just want to close my account and get the XXXX away from them and they refuse to release my funds

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