BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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 comsumer rights to privacy and confidentiality under the law 15USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights According to 15 U.S.C 1681 ( a ) ( 4 } : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also 15 U.S.C 1681b ( a ) ( 2 ) : In general Subject to subsection ( c ), 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.

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.

I did not give written consent for my report to be shared, also I didnt authorize these accounts on my consumer report. I have since filed a Identity theft with the Federal Trade Commission concerning these accounts.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: AZ
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:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My chime account says I have XXXX dollars and XXXX cents. Customer service at chime says I have XXXX dollars. How could that Be? They said it would take to XXXX XXXX XXXX  to look into it which is a totally unacceptable period of time. Money disappearing and I get direct deposit whats going to happen now. Tomorrow I get paid and can't access my account because they Chime froze it after I complained. 
Sincerely, XXXX XXXX XXXX XXXX XXXX cell XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX 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 an 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 2022-07-26
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 XXXX  account # 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 2020-11-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am very upset as a Cardmember how I am treated by this bank everytime they never give me a increase in this card their system always find a reason to nkt give me one Ive been loyal for years and have never gotten a single increase I deserve it but instead they rely on my credit which is good unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CITIBANK, N.A.
State: TN
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 customer service

Complaint:
I signed up and was approved for a Citi Bank XXXX XXXX card. I setup my online account with my temporary card, and once I received my full card I set it up in the app as well. I went online and setup my payment account and so on. Once I got my full card I attempted to setup XXXX XXXX and that was a living nightmare, I couldn't receive an SMS OTP code, or a Phone call from Citi to finish setting up my account ( Funny story, attempting to use XXXX XXXX years ago on my Citi Double Cash card caused me to stop using it since it was nearly impossible to do so ). In the past week since validating my card, when I've logged into the app I've been locked out 3 times now, each time requiring me to call the " fraud '' department which has no clue what is going on. The first 2 times I got it unlocked, and the third time they couldn't help me so I got transferred over to tech support, and XXXX just deleted my account saying it was setup improperly. Now I'm accountless and Citi 's absolutely terrible online banking system isn't compatible with password managers. I'm not going to type in a 32-character randomized alpha numeric password by hand twice especially because of poor technical choices by Citi. So now I can't even pay my bill since you deleted my account instead of just unlocking it.

Oh and for the cherry on top you DON'T EVEN SEND ME A NOTIFICATION WHEN YOU LOCK MY ACCOUNT! I can still use my card, but I can't check my balance or pay it. I quite literally want to give you my money and you REFUSE to take 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 monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called XXXX several times about each of the point withdrawn from my report. Any and every credit check that isnt connected to a card on my credit report is not fine I XXXX XXXX have to permission to any creditor to check my credit that its already on my report. Ive tried to us there site but not able to input information without is being denied. My credit score has been tampered with for over 2 years and Ive wrote them several times. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1691 Section 604 A section 2 : It also states a consumer report agency can not finish a account without written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  account # 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 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 2020-05-12
Company: The CMI Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX. Account name : XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX creditor : XXXX XXXX Account Number : XXXX XXXX. XXXX. Account XXXX : XXXX XXXX : Account XXXX XXXX. XXXX : Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX XXXX ; Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX 's Account Number 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 2020-08-04
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware that an outstanding debt existed until I received a notice from XXXX   indicating a negative item was placed on my credit report from an agency by the name of Collection Bureau of Hudson Valley from XXXX New York. 
It appears the alleged debt originated from a XXXX I had performed at XXXX Hospital in New York back on XX/XX/2017. According to the collection agency they represent XXXX XXXX XXXX, XXXX. 
This negative item on my credit report truly surprised me as I never received any invoices from XXXX XXXX XXXX XXXX and I have never received a validation notice or any type of correspondence from Collection Bureau of Hudson. 
it should be noted that I moved from previous address in XXXX, NY in XX/XX/2017 ( after  the XXXX took place ) to my current address in XXXX, NY. I filed forwarding addresses orders with the US Postal Service and my mail has been sent to my new address accordingly. It should also be noted that at the time of my XXXX I was fully covered by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX filed a report for a credit card inquiry for capital one that I did not apply for. Possible fraud, I reported to XXXX XXXX for a fraud alert on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}

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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NC
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 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 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 2023-03-09
Company: Bread Financial 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights. 
10 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX. Account name : XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Account Number : XXXX XXXX. XXXX. Account XXXX : XXXX XXXX : Account XXXX XXXX. XXXX : Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX XXXX ; Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX 's Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: GOLDEN 1 CREDIT UNION, THE
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:
On XX/XX/2023, I made a purchase online to website XXXX for a cellphone case. The item were sent incorrect type of case. I contacted and emailed the merchant about the wrong item, but no response. Then, I dispute with Golden 1 Credit Union to recover my money, but the bank doesn't do anything about it. The XXXX # XXXX and amount for the case {$80.00}. 

Another XXXX # XXXX for the unauthorized charges from XXXX for the amount of {$6900.00}. I contacted the company and were told the case will be escalated to management. But I have not heard back. I contacted my bank Golden 1 Credit Union about the dispute and were told to call the merchant and workout something. If nothing happens, then get back to us. I have been waiting to get my money ( bank didn't give me a provisional credit ) instead I have to wait until Fed. This is unacceptable. I would like to get assistance from CFPB to help me recover my money the bank doesn't want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America account was opened with my social security number. 

I received an E-mail from Bank of America stating that a new account had been opened and then processed, and then a new email was added to the account. I contacted Bank of America and provided my SSN to confirm a new account had been opened with it, without my permission.

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 2021-10-24
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX 2. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  Account Number : XXXX 6. Identity Theft XXXX  XXXX Account Number : XXXX 7. Identity Theft XXXX  Account Number : XXXX 8. Identity Theft XXXX  XXXX Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation