BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting a high credit amount of {$55.00}, this is a deposit account and not a credit line extension. The balance of the {$55.00} was an overdraft of the account. XXXX XXXX XXXX was also included in a XXXX XXXX bankruptcy filing and should be reporting any debts nor high credit limits on my consumer profile, and this account has also reached the statue of limitation to report negative items in which it was established in XXXX and included in a bankruptcy in XXXX. There are no legal grounds to update an account once it's included in a bankruptcy. Therefore, XXXX XXXX XXXX  is violating my federal consumer rights by continuing to report past the statue of limitation and also by continuing to report negatively after being included in a bankruptcy. Adding notes to the account doesn't take away the negative status. This is a serious violation and Equifax, XXXX, and XXXX are co-conspirer in the negative reporting and not updating my consumer report in accordance to the federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 rep confirmed that 2 accounts were opened using my SSN and email address. Called back to ask for confirmation that these are closed. 2nd rep said there were no accounts on file. Uncooperative in resolving this issue and confirming that my SSN will not be used to open any bank accounts or other financial contracts with BOA. I am not a customer and have not been for almost 30 years. And never will be. screenshots of numerous emails I have received are attached. I have selected CREDIT CARD however, I suspect that this could other accounts that use online banking.

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 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was notified by Bank of America on XX/XX/XXXX that suspicious charges appeared on my credit card. I filed a fraud claim and received a resolution in early XXXX starting that my charges had been resolved. 

I was then notified on XX/XX/XXXX that the merchant of said charges XXXX XXXX XXXX XXXX XXXX opened a billing dispute with Bank of America regarding my fraud claim. XXXX XXXX XXXX claimed that they have my name, email, and shipping address, proving that I made and received the purchases in question. 

The charges have since been placed back on my credit card statement and Bank of America says that I am responsible to pay for these fraudulent purchases. 

I have spent 10+ hours on the phone with Bank of America and XXXX XXXX XXXX and have so far received no resolution to these charges which total over {$1200.00}. 

I have spoken with multiple supervisors and escalated my claim to the highest level available to me and still I have received no resolution. 

I am now expected to pay over {$1200.00} in unjust charges on my next billing statement or risk harming my credit and incurring debt. 

I have never participated in a transaction with XXXX XXXX XXXX, I have no accounts open with them. This purchase quantity is wildly out of character for my spending habits.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. I NEVER HAD A ACCOUNT OR BUSINESS CONTRACT WITH XXXX XXXX XXXX AND I BELIEVE THESE ARE ILLEGAL RE-AGED ACCOUNTS FROM ANOTHER 3RD PARTY COLLECTION AGENCY.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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 noticed unauthorized inquiries on my Experian and XXXX report and provided this information over to the reps, and managers at Experian and XXXX over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items Must be removed but instead they said they DO NOT and WILL Not remove and inquiries and gave no reason as to why. XXXX investigated and removed the unauthorized inquiries but Experian and XXXX still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness.

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 2022-01-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I notified Experian and XXXX that the creditor XXXXXXXX XXXX XXXX  listed as a collection account on my report is not mine. The collection was shown as being for an XXXX XXXX account for XX/XX/2021. I have never had an ambulance account. The only ambulance I have been in, last XXXX, was covered by XXXX. I am a military dependent. 
XXXX account number XXXX is reported as being accurate. Do I need to take this to legal action? XXXX has not responded. Experian has. When I called them yesterday, they said my option is to contact you. I am very angry!

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 2021-01-21
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to CHOICE RECOVERY INC # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Report provided to employer without your written authorization

Complaint:
Complaint was made to the companies about violating the privacy Fair Credit Reporting Act to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX About a fraudulent account opened XX/XX/2018 for {$2500.00}. 
And XXXX XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 1 In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It Lao states a consumer reportito communicate with me under the the 15 U.S.C. 1692 C5 U.S.C. 1681.

15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It Lao states a consumer reporting agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed ng agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pursuant to 1692C ( a ) ( 1 ) Credit Acceptance called me numerous amount of times that was inconvenient to me Pursuant to 1692C ( a ) ( 3 ) Credit Acceptance called me numerous amount of times while I was at work Pursuant to 1692D ( 1 ) Threatened me to take my car also threatened to furnish my information to credit reporting agencies which harms my reputation Pursuant to 1692D ( 2 ) Credit Acceptance used obscene and profane language Pursuant to 1692D ( 5 ) Credit Acceptance called me over 100 times in the past two years to harass and abuse me

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-01-21
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MORTGAGE COMPANY IS NOT PAYING TAXES OR FIRE TAXES, GETTING DELINQUENT NOTICES AND HOME WILL UP FOR AUCTION IF NOT PAID BY XXXX OF XXXX. REFINANCED ON XX/XX/XXXX WITH SAME COMPANY PAID XXXX IN CLOSING COST TO HAVE MY MORTGAGE LOWERED NOW AFTER CLOSING WHICH WAS TO BE XXXX A MONTH THEY INDICATED MY MORTGAGE PAYMENT IN XXXX WOULD BE XXXX A MONTH. IN LOOKING UP MY ACCOUNT THEY SHOW MY NEW PAYMENT EACH MONTH IS XXXX A MONTH. THERE EXPLANATION WAS THEY MESSED UP ON MY ESCROW ACCOUNT. 

THIS IS UNACCEPTABLE TO BE PUSHED TO PAY AN OUTRAGEOUS AMOUNT EACH MONTH AND THEY ARE NOT PAYING TAXES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
it take me 2 years to get my credit up to score XXXX trans union bring down to XXXX i call trans union and talk to one of person and tell them about my credit report my credit score when down to XXXX and i tell them you guys putting inaccurate information on my credit report it took them 2 weeks bring my credit score XXXX on XX/XX/XXXX i check my credit score they bring it down to XXXX again last i tell them i am going to the sue trans union putting wrong information on my credit report now i want them to bring my credit score back to XXXX or i will take some kind action

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 2022-11-23
Company: Bridgecrest Acceptance Corporation
State: VT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My complaint is about the bridge crest auto financing company.in XXXX my husband and I had a vehicle rom them our second one may I add because we yad perfect credir wirh them. But we were in a total loss accident the other ladies insurance was Deemed responsible to pay the total loss I had spoken to her insurance company several different times and they stated that they would be paying for the loss of the vehicle the last time anybody was spoken to through bridgecrest was in XXXX they spoke to my husband and apparently told him that we would still owe the payment but then I spoke to them a couple days later and explained what was going on and had an insurance company talk to them or whatever letting them know that the payment was going to be paid directly to them the lady I spoke to then said that she was gon na go ahead and have the payment deferred and wait until they received the payment from the other party 's insurance for the total loss of the vehicle. I had not heard anything from the company in over 4 years and then all of a sudden I'm in the process of buying a house to find out that there was a charge off from this company On my credit report so I called the experience they explain that I needed to call bridgecrest so I called bridgecrest and the lady was extremely rude telling us that they could not contact me because they didn't have a phone number my phone number has been the same since I was XXXX XXXX XXXX I am XXXX XXXX XXXX and there is nothing that has changed except for my address and I told them that so nobody had ever tried to contact me they just automatically charged this account off which is now screwing up my chance to get my house that I'm supposed to be buying in less than 2 months They refuse to want to work with me I finally told them that if I have to off I'll bankruptcy or file a complaint since I thoug that they were supposed to notify me if they didn't get paid or notify me if the defirmate was done and give me a Chance to pay the debt but they didn't they just automatically charged off without notifying anybody and at this point I hope I told the lady it's it's like a covid disaster there's no way I can pay it I've been out of work it's covid and I'm in the process of trying to buy a house through the FHA program in Vermont But I always thought a charge off was supposed to be they contacted somebody several several several times before just charging something off we were not contacted once past that initial communication that we had in XXXX where they told myself and my wife that they were going to defer the payments to the hardship and the fact that the other ladies insurance company was going to be paying for the total loss this company is truly a scam.. the amount of the charge off is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my citibank accelerate saving account on XX/XX/2022, using their promotional offer, which saying that deposit {$50000.00} or more within the 20 days of opening the account and maintain for 60 days could get {$450.00} bonus. After I opened the account, I funded my account {$50000.00} by XX/XX/2022, and then I received the email from citibank on XX/XX/2022 saying that " Thank you for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer '', which I have attached below. I suppose this email indicates that I am already enrolled in this offer which is in conjunction with my account ( the account number matches in their email ). But until today I didn't receive the {$450.00} bonus, I have called citibank on XX/XX/2022 and they opened a case for me XXXX, after their investigation they said that my account is not qualified for this offer. I suppose this is a misleading and deceptive behavior from citibank. I have uploaded the resolution letter from them, the file that saying my account is qualified for this offer and the statement showing that I have met all the requirements.

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 2021-01-21
Company: EQUIFAX, 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:
I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MD
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:
This is my sixth 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 alleged fraud or extortion. 
XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CITIBANK, N.A.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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