BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2021-06-03
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:
ON MY CONSUMER REPORT I REALIZED THAT THERE WERE ACCOUNTS THAT WERE OPEN FRAUDULENTLY IN MY NAME. I DONT KNOW HOW SAID PERSON GOT MY INFORMATION TO OPEN THIS ACCOUNT BUT THIS IS VERY SCARY. I AM WRITING THIS COMPLAINT TO LET YOU KNOW I DID NOT AUTHORIZE THIS ACCOUNT AND IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY PURSUING TO 15 U.S. CODE 1602 ( P ). THIS IS A VIOLATION TO MY RIGHTS OF PRIVACY ACCORDING TO 15 U.S. CODE 1681 ( A ) ( 4 ) BECAUSE INACCURATE INFORMATION IS BEING REPORTED ON MY CONSUMER REPORT THATS MESSING UP MY LIFE WHICH I DID NOT AUTHORIZE DUE TO IDENTITY THEFT, YET YOU REPORTED IT ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION ACCORDING TO 15 U.S. CODE 1681B ( A ) ( 2 ) WHICH IS AGAINST THE LAW AND IS ANOTHER FORM OF IDENTITY THEFT. 

THE ACCOUNTS BELOW WERE NOT AUTHORIZED BY ME NOR CAN IT BE VALIDATED THAT I OPENED THESE TRADELINES. ACCORDING TO THE LAW 15 U.S. CODE 1681S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY. I WILL PUT THE INFORMATION OF THE ACCOUNTS BELOW AS THIS IS INVOLVED IN LITIGATION. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. Invalidated Inaccurate unauthorized inquiry. 
BK OF AMER Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

2. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. The last reported date is XX/XX/XXXX but according to the other credit bureaus the last reported date is XX/XX/XXXX and XX/XX/XXXX. That can not be possible. How can an account have different last reported dates if the information is coming from the same s XXXX Account Number : XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

12. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

16. The inquiry was not authorized BK OF AMER Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

17. The inquiry was not authorized BK OF AMER Account Number : XX/XX/XXXX 18. BK OF AMER Date of inquiry : XX/XX/XXXX 19. XXXX XXXX XXXX Account Number : XXXX Thank You Sincerely yours, 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 2022-01-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested information regarding potential mortgage products from The XXXX XXXX XXXX. I was contacted by multiple staff from XXXX. I never at any point authorized any member of The XXXX XXXXXXXX XXXX  to perform a hard pull on my credit. I explicitly advised the lady who called me that I had already been contacted and was already told that XXXX could not help me at this time. I told her I didnt want any hard inquiries on my report. She still ran my report anyway and now I have fraudulent hard inquiries on my report. I have contact the bureaus : XXXX, XXXX and Transunion and they refuse to even investigate this.

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 2023-05-19
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed. 

account listed below XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Accord Business Funding, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received a phone call from a gentleman saying he was representing an attorney by the name of XXXX XXXX. The phone number he used to call me was ( XXXX ) XXXX. Knowing I do not have any debts, I suspected it was a scam and hung up the phone. The man then proceeded rapid texting me in a harassing way, making threats to place liens on my current business. He referenced my personal bankruptcy, and that I was still operating a former business, however the referenced business has been non-operational since XXXX. I did not respond to the initial text messages. He then proceeded to text me again on XX/XX/XXXX, again making threats to send liens to current clients, who have nothing to do with my former business, and stating their is a UCC lien with my Secretary of State, saying they have been asked to enforce it. That is a lie. He then proceeded to tell me to call his phone number, which was a different one than the one he was texting me from. This number was XXXX. I have maintained this text dialogue on my phone should it need to be reviewed. We went back and forth in communication, where I told him the business of which was included in my bankruptcy he was referencing has been non-operational since XXXX. Also, despite saying he represented XXXX XXXX the day prior, he now said his name was XXXX XXXX, and the attorney 's name is XXXX XXXX of XXXX XXXX. He finally said the creditor is XXXX XXXX XXXX, but no mention of amount, account #, etc. I reviewed my bankruptcy, of which was filed in XXXX, and found them listed in the bankruptcy as a creditor. He says his next step is to send me an email. I did not send him my email, so I do not know if he will truly do that, or if he actually has a copy of my email. Regardless, he is harassing me, and I need it to stop. He has no justification to collect this debt that was discharged in bankruptcy court. All creditors were notified prior to the court date, and no one showed. Therefore, he needs to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: GA
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 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: LFG Data Services Holdings, LP
State: TN
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:
Since last year of 2022 I have been going back and forth with the data/credit reporting agency LCI about their CONSTANT violations of my rights by reporting inaccurate information concerning a bankruptcy to the XXXX credit bureau . The last response letter I received from LCI in it, they claim to have verified this bankruptcy with the bankruptcy court and they also state " LCI is a furnisher for FCRA purposes and provides publicly available bankruptcy records to XXXX for XXXX 's inclusion in XXXX 's consumer reports. LCI is unable to remove or change any of this information from your XXXX report. If you believe there is an error with the bankruptcy notice itself, you may need to contact the United States Bankruptcy Court to address any inaccuracies ''. 

Upon receiving there response, I did just that and conducted my own research and investigation and found them to be in violation of some FCRA laws. I also contacted the bankruptcy court myself via letter on XX/XX/2022. In their response letter back to me they state, " As the Bankruptcy Court is not a credit reporting agency nor an information provider of the FCRA, the Court is not required to conduct investigations or respond to disputes ''. 

So if thats the case, how did LCI verify my bankruptcy as 100 % Accurate? ... They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

LCI have violated my rights numerous times.

LCI violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  XXXX Past Due Amount : {$6000.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1900.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1700.00} Dispute TAKING MORE THAN 30 DAYS ADDDING IT BACK ON AS ANOTHER COMPANY

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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX I was charged {$160.00} with the line " XXXX XXXX XXXX XX/XX/XXXX ( ... XXXX ) '' as a card transaction. I disputed the charge, as I don't recognize it. On XX/XX/XXXX Chase reversed the charges. On XX/XX/XXXX Chase charged me again with the line on my statement " Claim reversal : XXXX XXXX DE XX/XX/XXXX ClaimId : XXXX ( ... XXXX ) '' as an ATM transaction. I requested documentation from Chase on the matter in XXXX after noticing the charge on my statement. Chase sent a letter saying they had reviewed documents during their investigation, but DID NOT SEND THE DOCUMENTS. I have tried monthly since then to get them to send the documents, and their support lines claim that they have sent the document, but I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: SC
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-19
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Several months ago I made a payment from my checking account to my credit card for {$200.00}. The bank did not automatically transfer the funds from the checking account, instead made a check for that amount and that amount has been floating around now several months. The local branch stopped payment of the {$200.00}, but it still shows in red on my account with a minus. 
Today I paid over from my checking account to my credit card, leaving a balance of {$130.00}, now I have red all over my my checking account saying I am in 'DANGER '' and overdrawn. 
They never credited the {$200.00} back to my checking accuont and the local bank is not doing anything so solve it. I want my {$200.00} back in my checking account. 
There should not be a minus {$200.00} on the side of my account. I should have the {$200.00} backas cash! 
This is very fruustrating. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
A year ago Bank of America decided to close my account. They sent me a check for {$3000.00} but it never arrived to my addrees : I called many times to the bank because the check did not arrive until one time one of their operators told me that the check was cashed. I never received the check, so, how was that possible? I submitted a claim to the bank, they ask me a notarized document, I sent it and several months later they sent me a communication about my fraud claim. They solved the situation and they sent me the check again on XX/XX/XXXX. Now I'm waiting for my check and I decided to call again because three months have gone by and I have not received my check. Aparently the check appears cashed again. I can not spend more money making documents, notarizing and trying to solve the problem. It is impossible someone cashed my check twice. They have a problem with their security or with XXXX  people. I dont know what is happening but I need my money back. I dont know if they have an internal problem with their employees or if their security system is not good. Nobody has my personal information or my signature, so how is possible someone cash my check

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 2021-06-03
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:
I checked my credit file with the three main bureaus : Transunion, XXXX and XXXX  and I noticed I have a lot of unauthorized fraudulent inquiries on my credit file. I did not give these companies permission to access my credit file. I filed an identity theft report with the Federal Trade Commission, I need these inquiries deleted immediately from my credit file. According to the Fair Credit Reporting Act these fraudulent accounts must be removed within five days of my request

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