BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  XXXX US DEPT OF EDUCATION XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 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.

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 purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: MD
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:
I am requesting that you remove the late payment from my account as it is inaccurate. I have never been late with this account and have been working hard to make my monthly payments on time. This late payment is unacceptable and I urge you to take immediate action to rectify this error. I have attached relevant documents to support my claim.

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 2022-09-03
Company: EQUIFAX, INC.
State: IL
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:
When I re investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : XXXX XXXX Balance $ XXXX ; XXXX  XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from a person stating his name was XXXX XXXXXXXX XXXX from the XXXX XXXX sheriffs office. Before I did anything, I XXXX  his name and XXXX XXXXXXXX XXXX is indeed an officer in the arrest warrant department at the XXXX XXXX XXXX XXXX. I then called the sheriffs office directly and asked if XXXX XXXX worked there and they assured me that he did, and they transferred me to his number. I left a voicemail and he called me back anout 5 minutes later and told me that I had an arrest warrant out for failure to appear in contempt of court after not appearing from a subpoena. He told me that the subpoena had been delivered to the hospital where I work and that an authorized signer had signed for it for me. He said I had two choices the first was to proceed criminally, and come in and be booked or I could proceed civilly and pay a fine and the court costs, which would be refunded once I prove that I had not signed the subpoena myself. He been stated if that was the case I could proceed with a forgery case for whoever signed for me. I paid the court costs and fees through an electronic transfer from my bank, and immediately after the call disconnected and I realize I had been scammed. 

Its very scary when a scammer is impersonating an actual sergeant from my local sheriffs county department and there is no recourse for the scammer for something like that. Impersonating an officer should be a serious crime.

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: 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  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a 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 instruction.

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 reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/19, received an email alert that there was a scheduled payment to XXXX for {$120.00}. XXXX was my old cable and internet provider when I lived in a prior state. I moved to a new state over two years ago. When I moved I cancelled the recurring monthly Bill Pay I had set up through my Ally Bank account. 2 years go by and I get an email alert ( on XX/XX/19 at XXXX MST ) that an automatic bill pay was scheduled for XXXX on XX/XX/19. I logged into my Ally Bank account and saw that a payment had posted for {$120.00} on XX/XX/19. I checked my email, and I never got a notification that there was a payment scheduled for XX/XX/19. There was only the email for the scheduled payment for XXXX. I called Ally Bank, and spoke to a representative. I informed the representative that there was a charge for {$120.00} to XXXX through their Bill Pay product that I did not schedule and did not authorize. The representative indicated that since I had at one time set up a recurring payment with XXXX that they considered the transaction an authorized one. I responded that it doesn't make sense that I would have cancelled a payment for 2-straight years if I didn't want it permanently cancelled. I further explained that XXXX doesn't offer service in my current state, and that my account with them has been cancelled for over two years. I also noted to the representative that there are several dormant accounts in my Bill Pay because neither the mobile app nor the online banking site allow me to delete those old accounts from Bill Pay. I  would like to delete all these old accounts so that this kind of thing doesn't happen. The representative was argumentative with me and was initially indicating there wasn't anything they could do, and that I would need to take care of it on my end. It wasn't until I mentioned that they were in violation of Reg-E that they seemed willing to note this transaction was disputed. However, the representative did not seem to think this had much chance since they considered the transaction authorized, even though by all logic and reason it clearly was not. I did get a dispute number and am waiting to get a response.

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: Experian Information Solutions 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  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a 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 instruction.

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 reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked a number of times for this item to be removed from my credit because it is over 7 years since my last payment and also they are showing my last payment was in XXXX but it really was in XX/XX/XXXX in XXXX this collection agency bought this debt so they have there records wrong i asked for it to be removed XXXX did this the other 2 still show it please XXXX & XXXX can you please remove this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
These are the inquiries that I never authorized to happen. 
CAP ONE | XX/XX/XXXX CAP ONE | XX/XX/XXXX CAP ONE NA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a claim with my Bank of America checking account due to unauthorized withdrawal transfers from my checking account to a company called XXXX XXXX I researched the company and determined they were some sort of prepaid card or money transfer system, but I have never done business with them and do not have an account with them nor have I ever had an account with them. There were several transactions that were debited from my checking account that I did not authorize totaling {$6100.00}. I spoke with customer service in the fraud department and opened a claim to dispute these charges, the claim number is XXXX, and was opened on XX/XX/2022. On XX/XX/2022 they sent me a message through their online banking " message center '' - not even a phone call or an email directly to me, to tell me that the claim was closed and marked " unable to pay ''. Here is a copy of that message. 

Message date : XX/XX/2022 Subject : Unable to pay. 
Please note : You can not reply to this message if the claim is in Resolved status. 

XXXX, unfortunately, we're unable to approve your recent claim. 

Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. 

For updates on your claim If you'd like copies of the documents we used to make this decision, please call us at XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX  Eastern. Please have your claim number when you call. 

Thank you for your patience during our review. 



THIS IS RIDICULOUS BECAUSE I DID NOT AUTHORIZE THE CHARGES AND I CERTAINLY DID NOT GIVE ANYONE PERMISSION TO USE MY ACCOUNT OR CARD.

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 2021-09-23
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX tried to collect this debt on behalf of XXXX account ending in XXXX for {$730.00}. I advised them that this was result of identity theft and and provided the FTC reports showing as such. The case was closed and XXXX XXXX advised on XX/XX/XXXX for my case XXXX that XXXX  XXXX  will honor Mr. XXXX request and place his account in a cease and desist status. This will prevent further collection efforts from occurring on this account.. Now it is XX/XX/XXXX and they have sold this account to Resurgent, who is trying to collect for again, an account, ending in XXXX for {$680.00} that was not mine and is considered identity theft. I will file another case with the FTC to include Resurgent Capital so that this matter will finally be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2022 I notice someone access my credit with out my permission. I contacted all three credit bureau to add an fraud alert on my report. the companies placed the alert on my report so I thought. this week a company was able to run my company with the fraud alert added. fraud alert is not added and I don't knw why

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 2023-01-25
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported identity theft to XXXX  XXXX  in XX/XX/2019. Thought it was handled. I didnt ever have an XXXX  XXXX  account, nor did i know it was on my social. I never saw bills or heard anythingg about it. Now suddenly in have an {$1800.00} collection from convergent outsourcing. I sent fraud packets to XXXX. Cant get ahold by phone. Pleas help. This is not my debt. I want to see these bills and where they were sent. And why my initial call wasnt documented then in 2019.

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: TRANSUNION INTERMEDIATE 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  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a 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 instruction.

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 reason.

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 2023-08-31
Company: EQUIFAX, INC.
State: NJ
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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-07-29
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: Old information reappears or never goes away

Complaint:
US depart of EdXXXX {$9000.00} US depart of EdXXXX {$9600.00} US depart of EdXXXX {$1100.00} State of Michigan office {$18000.00}. 
XXXX {$480.00} In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer 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 that a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes.

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 causes to believe that the information is inaccurate.

Ive called more than 6 times and asked for the original signed contract and I never received it. It seems these credit report agencies are above the law, and nobody will do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AL
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 Act # XXXX, XXXX  Act # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX Act. # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX Act. # XXXX, XXXX XXXX Act. # 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 : 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 2023-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AL
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 XXXXXXXX XXXX Act # XXXX, XXXX  Act # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Act. # XXXX, XXXX XXXX Act. # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation