BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
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:
Hey, how many times I've disputed this account found in my credit report but still in there. As a federal protected consumer I know you no legal standing, you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: M&T BANK CORPORATION
State: MD
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:
Hello -- My M & T Bank credit card ending in XXXX was flagged for suspicious activity on or about XX/XX/XXXX after making my second online purchase. I called the customer service number the bank provided a couple of days after the alert and reached a very nice representative that referred me to the fraud department. Upon calling the fraud department I waited on hold for over 40 minutes and was unsuccessful in getting in touch with anyone to resolve the issue. So I then decided to send a secure email to M & T Bank on or about XX/XX/XXXX stating that the purchase flagged was made by me and I was in possession of my card. I asked M & T Bank to remove the hold on my card. M & T Bank replied to my secured email asking me to contact the same fraud department phone number. I called the same fraud department number on XX/XX/XXXX as of the writing of this message and have been on hold for over 53 minutes and once again was unable to contact anyone to resolve the issue. 

Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian : you have recieved multiple complaints from the cfpb. In each complaint you are being sent documents that verify it's me, as well as an identity theft report. You have rejected every complaint on the grounds that you believe I am a third party credit repair company. I am not. I have the right to send you documentation via the cfpb reguarding any dispute. You do not have the right to deny that information. 

Can you explain to me why you have rejected the idtheft report sent via the cfpb 6 times?

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: 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: Account status incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports 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 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  Equifax : 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 2022-10-07
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2017-04-07
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has refused to send me validation of this alledged debt they are reporting on my credit reports. I sent them certified mail on XX/XX/2017 with no response to date. The tracking number is XXXX. It has been over 30 days and they need to remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
the last year i had an accident so a insurance company send me a check every 15 days since XX/XX/2022 and these check i upload in the bank of americas app, but in XXXX  i have to go to XXXX because my mother was realy sick i dont remember if were XXXX XXXX o XXXX i had two checks pending to upload at the bank of americas app, but for mistake i upload two times de same check but the a friend go to the bank of amercia branch to deposit the check that i did not upload and deposit other new one and i recive those deposits in mi count but then when i come back from XXXX i had 3 checks that the insurance company send me every check was for {$1300.00} each one and the last XX/XX/XXXX i upload the three checks but the money appear until XX/XX/XXXX but the las XXXX XXXX i did not have any access at banck of america online , so i called to banck of america and they told me that they closed my count for try to charge false checks but the checks are made for the insurance company then i try to charge in other bank because in bank of america tolme that de chesck get back to the insurance company but in th eother banck i can not charge beacuse already were carger so again talk to the bank of america and they told me that the charge the checks and they have de money but they don have anytime to send me that money because they are investigate the money and the suggested to talk to the insurance company so that they would make a claim and return the money and then they would issue me another check but they insurance company told me that they can not do that because the checks already are charger, And I spoke again with the bank of america explaining to them and I told them that it was very illogical and irrational that they supposedly closed my account and credit cards for supposedly false checks when they have the money and they cashed those checks and What I requested is that they return the money from the checks that have already been cashed and that legally belongs to me and apologize publicly for having closed my accounts, of course, false checks when they are not, because if they were they would not have collected any money and they are withholding my money, affecting me financially, so I request that the balance I had in my account be returned to me as soon as possible along with the total of the checks collected. I am not interested in having an account with a bank of America again and that the reports that are issued to credit institutions resulting from the supposed determination by the bank are modified or canceled so as not to have any problem in the long or short term since the checks are not false so much so that you were able to collect said resources and I do not understand why they keep them when they legally belong to 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 monetary relief
Consumer complaint received 2021-07-17
Company: BlueChip Financial
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I came across Spotloan loan service and received {$800.00} for a loan on XX/XX/21. The APR is 490 % which I believe to be illegal. I want to report this company as its operating on an XXXX tribe getting away with charging people illegal APR for such small loan amounts. Thankfully, I paid my loan off and have copies of confirmation of this. However, I am dissatisfied with the fact they charge 490 % interest on such low loan dollar amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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 HAS FAILED TO COMPLY TO OBLIGATIONS OF FURNISHERS UNDER THE FCRA and placed this account under charged off with a balance, and on the week of XXXX XXXX reported the account in collections. 

XXXX continues to furnish information that I have identified as resulting from identity theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
i tried to transfer money from my PNC bank aacount to my XXXX investment account, PNC keep mentioned that i'm not allow to transfer my fund to unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2022-11-12
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:
There are unauthorized businesses on my credit report.

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 2023-01-02
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 cover the duty of furnishers to provide " accurate information among other things. Subsection ( a ) Prohibits furnishers from reporting information with knowledge of error. XXXX XXXX XXXX Subsection 1681s-2 state you must conduct a proper investigation. 

I am Disputing the inaccurate and incomplete information reporting on account ( Dispute 1 ) Date of last Payment XX/XX/2021 this is an error and inaccurate information please investigate and provide payment history of this account. 

( Dispute 2 ) Payment Status late 120 Days this is an error and inaccurate information please Investigate and provide payment history of this account. That will prove this 120-day late payment is an error and inaccurate information. 

Account number XXXX is reporting incomplete I have already submitted a dispute for inaccuracies which I have provide a copy of such dispute with this new dispute includes a copy of my credit report account XXXX XXXX XXXX which show the account is reporting inaccurately which also is hurting me from getting new credit products and services This is my last complaint number XXXX from CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I was a victim of fraud A person who said he was from my bank instructed me to buy gift cards to cancel a {$4500.00} charge on my credit card.. I was panicked and confused and followed their instructions. I purchased {$800.00} of gift cards before I found out it was a common scam involving older people. I'm XXXX. Because I actually used my credit card, the bank won't refund the money. I think they should consider my mental state that allowed this to happen. I disputed this twice, once with my daughter who told them I have some signs of XXXX, and when that was denied I reopened the dispute with the help of my case manager. They denied me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: PA
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 : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Back on XX/XX/2021, I contacted Trans Union & submitted legal documentation regarding the 5 public records ( bankruptcies ) they have listed on my consumer report which Trans Union obtained from XXXX  XXXX. I informed Trans Union & provided documents stating that these 5 public records needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, Trans Union has refused to remove those accounts. At the same time that I contacted Trans Union, I also contacted XXXX XXXX directly and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX on XX/XX/2021 via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the 5 public records referenced on my Trans Union consumer report have now been removed from their database. Additionally, XXXX XXXX also responded via hard copy through the US Postal Service via mail dated XX/XX/2021, again stating that the 5 public records have been deleted / removed from their database. Therefore Trans Union immediately needs to delete / remove these now fraudulent public records from my consumer report within their database.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/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