BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: CBC Companies, Inc.
State: SC
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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 following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, and XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights 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 explanation
Consumer complaint received 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
False information on my consumer report

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 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is about my California edd prepaid debit card. Over XXXX XXXX dollars was siffoned out of my account starting in XXXX of XXXX. The California edd had put my back pay on my edd card unbeknownst to me on XXXX XXXX. I hadn't received benefits since XX/XX/XXXX, it was an issue on my account, which is why I had not been checking my edd card regularly. I did not receive any deposit alerts even though I had them set up. I did not find out about the restart of my benefits until XXXX of XXXX. By that time it was {$1.00} in my account. I immediately called BOA dispute line and they filed 4 separate disputes 1 ) # XXXX for {$8000.00} 2 ) # XXXX for {$4800.00} 3 ) # XXXX for {$5800.00} 4 ) # XXXX for {$1000.00} I explained to them in detail what happened and ordered a new card. Mind you my original card had no chip. All disputes were denied with the exception of dispute # 3 in less than 10 days. I asked for reconsideration that was denied too, with no valid reason why. I gave up. Fast forward to XX/XX/XXXX I get an email from bank of America stating that dispute # 3 listed above had been opened, confused I called BOA at this time. I no longer had an edd card because it was no need so I threw it away years prior. I ordered a new one XXXX XXXX. I was informed by dispute representative that this was an abandoned dispute that BOA reopened and also informed me, 3 other disputes the ones listed above had been reopened XX/XX/XXXX, and there were no updates and no time frame for it to be resolved. I had no knowledge, no one sent mail anything. Well the rep filed complaint for the disputes that were opened since XX/XX/XXXX. I called 5 days later and dispute # 3 was denied as well and filed another complaint and asked for reconsideration. Once again no resolution. I need all of this rectified. I'm aware of the class action lawsuit against BOA and users of CA edd cards an decision. I need these disputes completed immediately and provisional credit to my account while I wait. I am prepared to take this to court will send demand letter to corporate office.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Old information reappears or never goes away

Complaint:
My credit score with Equifax which was 700+ was reduced to XXXX without an explanation. In reviewing my account the only thing that stands out is an unsubstantiated, derogatory comment in reference to XXXX XXXX. The XXXX XXXX account was paid in full. A review of other credit bureaus shows nothing derogatory from or about XXXX XXXX, only Equifax has the negative comment and reduced score. 

When I first reviewed my account and noticed the reduction, there was no explanation. Two weeks later, I reviewed my account again, and this time Equifax had entered the derogatory comment about XXXX XXXX. I believe they went fishing for an explanation for the reduction in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from 2011 and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all 3 of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all 3 credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed XXXX complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

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 2020-12-20
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I'm very angry with Google llc as a whole on XX/XX/XXXX I was forced to make a switch to the new Google pay app for some odd reason.I made a new account and it wasn't even open for 30 minutes my account is already suspended as a receiving is for transaction which is bigger than the last three I'm trying to get to the bottom of the matter I'm dealing with rude prejudice Representatives that sound like they're from India.IM VERY SICK AND TIRED With prejudice behavior FROM Google : XXXX while trying TO SEE WHAT'S going on with MY Google I WAITED 6 DAYS already WHICH AT THE TIME I DIDN'T EVEN KNOW I WAS CONVERSING WITH GOOGLE XXXX AND NOT WITH THE REPRESENTATIVES IN AMERICA I FEEL LIKE MY PERSONAL INFORMATION IS BEING USED OVER THERE WITHOUT MY CONSENT OF ACKNOWLEDGMENT!!!! EVEN after submitting my documentations social security card ... id card and mail!!. I TOOK COUNTLESS SCREENSHOTS FROM MY G PAY ON WHAT I SEE I EVEN SENT A VIDEO TO Representatives & been getting NO WHERE BUT attitudes WHILE DEALING WITH REPRESENTATIVES WHO prolonging my time over the phone why they put me on hold FOR MORE THAN 65 MINS I come back to the phone like I wasn't waiting that long talking about he was speaking to a specialist when they never spoke to a specialist because why would specialistespecially tell you to tell me to cash out with the card that I have on file if my account is still suspended they wouldn't tell you that and leave my account suspended knowing that wouldn't work I'm tired of being told one thing and the other I'm tired going in circles .I 'm hungry I want my money so I can go to the grocery store and find something to eat. GOOGLE BEEN XXXX ME FOR A LONG 6 days now.. remember guys when I was telling you that this app is really from XXXX  and not America Don't believe me look at the screenshot where it sayS XXXX XXXX 50 % off I don't stay in XXXX. why is this app is in our store in America? if we don't have American things if we have a Google here why is Google XXXX app is over here in America in our USA XXXX I'VE NONE OF THOSE STORES OVER HERE IN AMERICA!!!!!!! hey trying to prolong me not getting this issue fixed so they can have my money that's in my account this seems very fishy to me it doesn't take long to verify my age and they starving me behind my age verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2021-09-06
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Lack of communication with this company and they harassed me threatening me with phone calls all the time and I was out of my job and have XXXX and I'm asking him to dispute this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-13
Company: EQUIFAX, INC.
State: AL
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:
Every account that is reporting negative on all three of my credit files should be removed. Also the addresses. I have only lived at one address. I am enclosing proof. The bankruptcy that are reporting is inaccurate. The Bankruptcy Court does provide information to the Credit Reporting Agencies and XXXX states that it has removed it. Why is it still reporting. I am enclosing copies of police report showing I have been a victim of identity theft and all these negative accounts should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: VA
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:
Fact I The Affiant Is Aware And I Have Proof That Experian has and continued to violate my consumer privacy rights. I the affiant observed 11 violations on my consumer Credit report. Experian is and continues to be in Violation of 15 U.S. Code 1681b ( 2 ) 15. U.S Code 1681a ( q ) ( 3 ) 15 U.S Code 1692 ( a ) 15 U.S Code 1692 15 U.S Code 1692g ( c ) Even After Being Informed Numerous Times that information was incorrect and should not be on there. I Have been injured Numerous Times from Experian Gross Negligent And Willful Behavior These Injuries Include. And Are not limited to being denied of credit. My Reputation has been ruiend. Loss of business income. XXXX, XXXX XXXX the following accounts need to be removed from my credit report and stop illegal activity I have never gave written instuctions to Experian to furnish these " Alleged '' accounts. XXXX XXXX  ( XXXX XXXX XXXX ( XXXX ) my information was also stolen in the XXXX Data Breach Experian needs to make this Right And Remove These Accounts Also Experian And XXXX Are XXXX with each other A XXXX Name XXXX XXXX '' In the Fraud Department Confirmed This On A Recored Line I Also Have The Recording And I Plan To Seek Litigation Because They Should Not Be Reporting Any Information About A Consumer To A 3rd Party I Have Sent A Affidavit Of Truth And The Laws They Are Breaking And A {$8000.00} Invoice That They Owe Me For Violating My Rights I Need These 2 Accounts Removed Or I Will Seek Litigation

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2022, I have disputed a fraudulent bankruptcy that is on my Transunion credit report in the public records section several times. I have asked Transunion to show me documentation of the adverse information as the law 15 U.S. Code 1681c3 - Adverse information in cases of trafficking states. I am a victim of identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft. Please understand that a person living in South Carolina can not file bankruptcy in North Carolina. I did not file for bankruptcy in North Carolina. The information is not information relating to any transaction by me the consumer. 

Clearly this is a mishap in the trafficking of documents. I have attached my information as the law requires. 15 U.S. Code 1681h - Conditions and form of disclosure to consumers. I have attached my Transunion credit report. If a thorough investigation is not provided to me I will continue to notify the CFPB.

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 2020-01-16
Company: Alliance Collection Agencies, 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:
Upon obtaining my credit report I notice a derogatory collection account listed without my knowledge or permission to do so, which is an Impermissible Purpose to access my personal information without my consent. I've never contracted with this Alliance Collection Agency and do not wish to do any business with them. After gathering all of their information from my credit report I drafted a validation letter to get a certified copy of the original contract that was signed by me to agree to do any commerce with Alliance Collection Agency. To date NO valid contract or proof of obligation was sent to my address.

Company response to consumer: Closed with explanation