BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Basically I was renting a car from XXXX through XXXX I was done renting car and the lady at counter said there was two contracts on the car I rented at the same time she tried fixing mistake I paid my rental in full then a week later on the same day XXXX added the additional bill on car with out my written authorization I have been disputing these charges for over 8 months then they allowed XXXX to add a third charge I told them over and over I did not authorize these charges for over {$8000.00} XXXX and XXXX are not honest companies XXXX has double charged over thousands of customers and reported rental cars stolen I refuse to pay these charges that are not mine bank of America acts like they are affiliated with 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 2019-09-17
Company: EQUIFAX, 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:
I did not applied for these accounts and never made a deals with them. Remove as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am reporting Experian Credit Reporting agency for having to notify them once again, of already reported Fraud that has been committed using my Credit Profile. The agency has not taken the proper action in resolving my issue appropriately according to my situation and circumstances and it has caused me great distress. 

XXXX Account Number : XXXX It's their responsibility to uphold their Law and the consumers right, and depiction of character to remove any fraudulent, unauthorized, invalidated accounts from my profile that can cause potential distress to a consumer. 

Due to XXXX 's data breach/Identity theft along with many others that I am aware of through my Credit and XXXX XXXX XXXX  that I pay for, I'm not sure when my information could have been compromised. But all accounts are being investigated by the FTC. According to FCRA 605B This information must be blocked immediately until the investigation over.

Not only has my FTC report been suffice to resolve this issue but in accordance with the Fair Credit Reporting act XXXX, this same account has also violated my rights. Along with Experian blatantly violating my rights as well, which Im sure as a credit reporting agency they're aware of.

According to 15 U.S.C 1681A Section ( 2 ) A.i : Late payments are transactions, and transactions are excluded from a consumer report. Which Experianclearly violates because there are also late payments on this account that are being reported to my consumer report. 
Followed by 15 U.S.C 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.

Its clear that your investigation into this matter has been insufficient to my claims, and dismissive of the laws that you are supposed to be following.

Below I have attatched My FTC report, Letters that I've sent in, and all supporting documents as well.

Im appreciative of the services that you guys provide to hold these bureaus accountable for their actions, and uplifting the law that has governed the consumers.

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 2021-10-01
Company: EQUIFAX, INC.
State: MO
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: U.S. BANCORP
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Received fraud opened product from XXXX tried working with XXXX said they would send out a return label and still nothing from them XX/XX/2021 N/A credit adjustment XXXX + {$700.00} XX/XX/2021 N/A credit adjustment XXXX + {$950.00} XX/XX/2021 N/A debit adjustment XXXX  XXXX XXXX {$950.00} XX/XX/2021 N/A debit adjustment XXXX  XXXX XXXX {$700.00}

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 2022-05-01
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:
It is with regret that I submit this. Experian has always been very nice, accommodating, amazing, professional, courteous, and sweet every time I called them throughout the years. For this particular issue, I only sent a letter to Experian via mail and did not contact them via phone. 

On XX/XX/XXXX, I sent a letter to Experian via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
XXXX. Creditor : XXXX XXXX I Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX Please see attached files titled " Experian '' and " XXXX Experian.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

On XX/XX/XXXX I received an email indicating my dispute results are ready. ( Please see attached file titled XXXX Email - Your Experian Dispute Results are Ready.pdf ) I clicked on the link provided in the email. I noticed the seven ( 7 ) hard inquiries I disputed were still there and not removed. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with XXXX delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. If the inquiries have been verified and can not be removed, please provide a thorough and detailed description of how the re-investigation was conducted. 

Thank you for your time and attention to this matter. Please re-investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.

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 2023-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was sent a fraudulent email that appeared to be from XXXX, banking services, that in order to release the funds to be deposited into my bank account in payment for product i had listed, i needed to refund the amount overpaid by the buyer to the XXXX account. Rather than return {$500.00} from the {$1000.00} refund purportedly sent to my account, however, the {$500.00} dollars was taken from my checking account with no payment deposit. I called the number on the fraudelent email to report the incident to find that i was speaking to a scammer, attempted to cancel the transaction, and was told that the funds were already available in their account and could not be returned. I have not consented to this money being taken from my account, and was simply returning an overpayment that i never received to my own account. USAA has not further investigated the fraudelent claim and the scammer- who took money from my account without my consent- is now withholding my money and i am being told there is nothing we can do to retrieve it, despite having all of their XXXX account information where the money had been sent in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Starting in XX/XX/XXXX I was charged for a credit card I never had a series of charges at the same time and same location, I believe Bank of America ( BOA ) suggested these purchases were made in Texas ( I live in MA ). I called them and told them that I never had this card and that I didn't make the purchases. They agreed it was fraud and said they would 'take care of it '. Every month from XX/XX/XXXX to XX/XX/XXXX I have gotten a bill, every month I call them and they assure me that they know it's fraud, and in XX/XX/XXXX, they sent the bill to a collection agency, harming my credit. I have received letters from BOA saying that the balance is cleared with the original balance but an incorrect number indicating account #.

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 2021-08-10
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/22 timeshare help {$10000.00} After preforming a minor audit of my finances I found this fraud charge after filing a claim with capital one I am told they cant do anything because its over 180 days old. I explained to them that I XXXX XXXX XXXX XXXX and take care of wife who is XXXX XXXX XXXX XXXX, and therefore I don't always verify every charge monthly. As soon as I found this I reported it. I found fraud on a different account and didn't have any of these problem I don't understand why Capital One would treat me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$5500.00} XXXX XXXX ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX  XXXX ACCOUNT NUMBER XXXX, BALANCE {$22000.00} INQUIRIES 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 PXXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have 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 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 DONT RECOGNIZE THIS INQUIRY XXXX XXXXXX/XX/2021 I DONT RECOGNIZE THESE ACCOUNTS XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( I have never paid late ) 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 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 2023-01-29
Company: Experian Information Solutions Inc.
State: LA
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 Account ending in 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 an account without my written instructions. 

XXXX XXXX  XXXX granted me a XXXX XX/XX/2021 after a XXXX national declared emergency. I submitted all of my paperwork for a mortgage adjustment and hired VA 's from the XXXX lost my information causing an invalid negative reporting on my credit report. I disputed through all XXXX credit bureaus demanding a reinvestigation and XXXX XXXX stated incorrect information. I submitted loads of documents to prove my case. XXXX removed it then added it back without explanation. This is illegal and fraudulent. Then XXXX XXXX  sold my loan to refrain from pursuing further.

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 2021-08-11
Company: OneMain Finance Corporation
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:
After reviewing my consumer credit report, I noticed that OneMain Financial Group, LLC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  and XXXX  consumer report on XX/XX/2021 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with OneMain Financial Group, LLC Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with OneMain Financial Group, LLC for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Grant & Weber
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:
I sent a debt validation letter on the following date XX/XX/22 In relation to an {$850.00} account and this company has failed to validate my debt within the allotted time frame of 30 day from receipt of this Letter. Or remove this invalidated debt from collections.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute back in XXXX and again on XX/XX/2022, asking Transunion to reinvestigate reporting errors on my consumer report. Both times they have sent me back a letter stating that THEY believe there is a third-party credit repair company working on my credit when in fact that is not true. Both times they have ignored my request to investigate and now they are willfully ignoring my request to process my disputes and they are violating the FCRA.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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