BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I've recently completed a dispute with the credit bureaus. Despite disputing the negative information with the credit reporting agencies, the inaccuracies persist. I request your assistance in investigating and rectifying the inaccurate information. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), and holding the credit reporting agencies accountable. I've disputed the inaccurate account labeled : XXXX XXXX XXXX XXXX I contacted the collection agency through CFPB concerning this account. However, the collection agency could not provide me with the date of first delinquency which was disputed with the credit bureaus. Which also determines when this account should be removed from my credit profile. XXXX XXXX XXXX XXXX XXXX ) provided documentation which shows inconsistent information furnished to the bureaus. Also, the open date information that's been furnished to the credit reporting agencies are erroneous. 

Listed in the attached image shows that this debt was purchased on XX/XX/2021. It does not give a date for the opening of this account on my credit profile. In addition, this account could not be opened on my credit profile by this collection agency before it was purchased from XXXX. Therefore it's inaccurate. Experian is using the original creditor 's open date which is inaccurate. It is a collections account. This information was disputed as inaccurate and still it remains on my credit profile. It's a violation of 15 U.S.C. 1681e ( b ) - Accuracy of Information and also a violation of 15 U.S.C. 1681i - Investigation of Disputed Information.

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 2018-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bank of America Inbox x XXXX XXXX XXXX <XXXX> XXXX XXXX ( 6 hours ago ) to consumer.mediation Hello, Told this story to a friend and they suggested I relay it to your office. 
My wife and I have been XXXX Mastercard holders since XX/XX/1986. Over that 32 year time span we rarely carried a balance for more than a month. We had been working out of state and in the process of moving back home. I received a letter from Bank of America the end of XX/XX/XXXX during the move back, asking all kinds of financial information. I thought that was odd, especially when I saw we were to send it to an Arizona address. I just threw it away figuring it was a scam. Why would a credit card company need all this from a cardholder of 32 years that always paid their bill? 
We received a {$400.00} some odd dollar bill the middle of XX/XX/XXXX. Two days later I sent them a check for the total amount. About a week later I was at XXXX XXXX. When they ran my card, they said it was denied. A bit embarrassing but I figured it was just a computer glitch. I paid with cash and was on my way. A week after that, I was ordering some horse supplies from XXXX XXXX, a company whom I have dealt with for years and has my card number on file. When she tried to run my card number it was denied again. By then I was starting to get a bit miffed. I phoned Bank of America. Finally got through to a person and asked what was going on. They said they were no longer honoring my card because I did not respond with the financial information they requested. I asked them to explain the reasoning behind that action since we had always paid our bill. My call was forwarded to a number of BOA hacks. No one could tell me why they were taking the action they took. Finally on the last transfer, the phone just went dead. 
I have not used the card since then nor have I received any correspondence from BOA. Have you received any similar complaints? Is this legal? They are a credit card company, not my mother or the government. Sincerely 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 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-03-18
Company: State Collection Service, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting incorrect information to my credit report. 
-Two year payment history is incomplete. 
-Date last active is different and incorrect with all XXXX  credit bureaus. 
XXXXLast reported date is incorrect with XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Larry H. Miller Group of Companies
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX XXXX of Larry H Miller XXXX illegally discriminated against my attempt to purchase 3 new cars and 3 crate engines by direct deposit into their bank account. 
I offered full sticker price, and offered to let them retain the purchases until payment goes through. 
If Larry H Miller Co. Fails to right this wrong I shall file a lien and I shall pursue a Sheriff 's auction. I shall also bring a lawful Judgement against XXXX XXXX of Larry H Miller XXXX for Breach of Fiduciary Duty, in the maximum amount for which I can find legal precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

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 2023-07-05
Company: Radius Global Solutions LLC
State: CA
Product: Credit reporting, credit repair services, 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:
On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from RADIUS GLOBAL SOLUTIONS. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.

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 2023-07-21
Company: EQUIFAX, INC.
State: TX
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; RESIDENT VERIFY XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US POSTAL 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: American Credit Systems, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report with XXXX  and noticed that there is a debt collector by the name of American Credit Systems on it listing a fraudulent account that I did not authorize. The company claiming that I owe them money for services is a fraud and take advantage of people claiming to help them with their tax debt by telling them that they owe more than what they do. I was told by the company that I owed far more money than what was owed in regards to my taxes. I called that Illinois department of revenue to confirm only to find that XXXX XXXX XXXX XXXX  was attempting to commit a crime against me for embezzling money for their own motive. I have filed a police report in regards to this matter. This is not my account and I never agreed on anything for them to help me. They have forged my information. This is illegal per the Fair Credit Reporting Act. I was not informed of such allegation and it must be removed alongside of my attorney moving forward to file charges against all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Business Name : Experian XXXX, TX XXXX Phone : XXXX Website : http : //www.experian.com Transaction date : XX/XX/XXXX On XX/XX/XXXX I set out to refinance my home loans and lower my auto and homeowner insurance premiums, which in WA State is dependent in part on creditworthiness. To that end, I ordered the XXXXCredit-Bureau Credit Reports and FICO Scores from Experian : - I discovered multiple critical errors and omissions on all reports and immediately followed each individual CRA posted policies to dispute the items. I simultaneously contacted the sources of the misreported information as well ( XXXX and XXXX ). 
- XXXX and XXXX promptly rectified their version of my credit report, well within the prescribed FCRA deadlines. 
- Experian has yet to abide by the law as of today XX/XX/XXXX : it took them well over 30 days to quit reporting a closed auto loan with XXXX as " FP - Failed To Pay '', an extremely derogatory item. 
- Experian continues to fail to report my oldest account, a XX/XX/XXXX Home Equity Line Of Credit ( HELOC ) with XXXX. This account is in excellent standing, thus failing to report it is also hurting my creditworthiness. 
- I followed Experian 's own dispute protocol, mailing them evidence via overnight, trackable USPS delivery : copy of a letter from XXXX informing me that they had asked all XXXX Credit Reporting Agencies to report this XXXX HELOC account in early XX/XX/XXXX. Again, only Experian did not comply. I also included the latest XXXX HELOC Account Statement as well as copies of XXXX and XXXX Credit Reports correctly reporting this XXXX HELOC account. 
- I wasted countless hours of billable work on the phone with multiple Experian Service Representatives in an attempt to exercise my right as a consumer to obtain favorable credit terms based on accurate credit information. 
- After a harrowing 3-month battle with that XXXX bureaucracy, I am still not in a position to apply for a home loan on the terms I am eligible for or to ask XXXX to rerun my credit check and lower my auto and homeowner insurance. I have wasted well over {$1000.00} in lost billable work and various fees to deal with that despicable entity. Worse yet, I am unable to enjoy the substantial savings a refinance deal and lower XXXX premiums would entail. 

Attached is evidence that the information provider ( XXXX ) asked Experian to report this critical account almost 90 days ago!

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 2023-08-04
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 the Fair Credit Reporting act XXXX Account # 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 Accounts XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX-Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a XXXX XXXX XXXX  # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX went to a XXXX XXXX bank branch to open a business credit card. With the assisance of the XXXXXXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,

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 2018-09-08
Company: CITIBANK, N.A.
State: CO
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:
In XX/XX/XXXX XXXX XXXX/Best Buy processed a charge on my Best Buy Credit Card that should not have been processed - illegally processed a renewal in my daughter 's name on my account after product was cancelled in XX/XX/XXXX. Due to XXXX XXXX 's negligence in not only charging this on my card but also in efficiently processing the credit for the charge ; I was charged late fees and interest. It took XXXX XXXX 4 weeks to properly process the credit for the charge as they confirmed it erroneous. Best Buy upon receiving the credit ; refunded all late fees and interest as charge WAS NOT MINE or AUTHORIZED. In the time it took to refund not only the charge but also late fees and interest ; Best Buy reported me to the credit bureaus with a 30 day late status. Note - there was a XXXX balance prior to erroneous charge, late fees & interest. Therefore Best Buy reported me with a late pay for charges that weren't authorized and all refunded. How can I be late when the charges were refunded at their discretion and I owed nothing? I have documents and a log of who I spoke to on what date and lots of supporting documents. I contacted Best Buy in XX/XX/XXXX with all supporting documents and they won't remove late pay status even with documentation.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SyncbAmazon PLCC ( The compmany was contact and ask to show proof that this account belongs to me. No one contact me back, nor later or call. I been identity theft since 2005. I also have a lock on my account. ( ACCOUNT NEED TO BE REMOVED ALL THE INQUIRIES NEED TO BE REMOVED. I HAVENT APPIED FOR ANYTHING IN 2-3 YEARS

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