BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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:
On XX/XX/22 I sent a certified letter to EQUIFAX disputing the accuracy of account XXXX XXXXXXXX # XXXX due to inaccurate dates and payment information. EQUIFAX stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate payment history listed on the account. This is a violation of the FCRA since I never received credit or services from this company ( XXXX XXXX ) and thus a payment was never made. Also, the " Date of Last Activity '' is innacurate ( please see attached pictures of the XXXX credit bureaus showing different dates. These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. 

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have XXXX days to notify me they have received my dispute- they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-11-18
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: Account information incorrect

Complaint:
Company : equifax information services, XXXX, and XXXX XXXX XXXX collection account in the amount of {$1300.00}, disputed with company but it remains on my report. 

CA state 's Code of Civil Procedure 337 states no debt can be collected after 4 yrs. 

Account was opened XXXX of XXXX, passing the statute and should be removed from my credit report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus and never heard a response back. The information on my credit report is inaccurate and affecting me getting housing. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX 2023, I faced harassment and loss of value of currency at the hands of XXXX ( State Bank of India ) 's branch in New York, NY. As is stated in many sources, and likely in XXXX 's literature itself, XXXX converts XXXX notes into other notes that will not cease to have value after XX/XX/XXXX. The only case where they may not be guaranteed to do so under the direction of the XXXX could be when 10 or more notes in a single day are presented for conversion/deposit/foreign currency conversion. In my case, it would have sufficed to receive either of U.S. currency or " XXXX '' notes or perhaps anything similar in exchange for a single XXXX I presented to XXXX on XX/XX/XXXX. 

However, a wicked and disgusting man at XXXX told me to convert such note in XXXX instead. Such man gave me blatantly false information that they " only deal in dollars '' when they do not. 

Based upon these events, I demand that XXXX send to me a check in the amount of {$25.00}, which is the approximate amount of the " XXXX '' note they have refused to convert. If they do not, aside from the fact I reserve all rights, I direct the CFPB to shut down entirely all of XXXX 's physical branches and activities in the state of New York. 

I also direct the CFPB to forcibly and permanently eject the man, who directed me to go a far away country to do his job for him, from the United States, so that he can not tell people he doesn't like to leave the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My name is XXXX XXXX and I have submitted documents to the company and the credit bureau proving that the accounts listed below are inaccurate and should be deleted immediately ... ..they are also fraudulent. on my XXXX report it is listed as XXXX XXXX account XXXX XXXX opened on XX/XX/XXXX on my Transunion report XXXX is listed as XXXX XXXX account # XXXX opened on XX/XX/XXXX also on my Transunion report XXXX account # XXXX amount {$53000.00} is completely fraudulent and is not showing on any other of credit bureaus reports... .. inaccuracies alone is cause for this to be deleted immediately! They are also Fraudulent. The company refuses to remove these accounts knowing they are wrong and fraudulent. Please assist me in getting this done... ..the BUREAUS are always intentionally destroying our lives.

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 2023-02-06
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:
Experian along with XXXX and XXXX all have improperly reported a late payment on an open ended credit plan without formally providing me written notice of the options I as the consumer can exercise to opt out of this information being reported. Per the following law, I was never afforded the opportunity to opt out of the reporting as I would like.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also, the reporting of the late payment is also in direct violation of 15 U.S. Code 1666b - Timing of payments which states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-05-21
Company: EQUIFAX, INC.
State: MD
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  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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, 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

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Card had 0 balance and I was just going to cancel it but I didnt and I pay the fee of XXXX and they said it was late and sent a negative report to the credit bureau over {$1.00} so then I used the card and bought airline tickets, meanwhile they sent another negative report again, I spoke to several people over the phone about this to no avail, so I paid off the card and closed the account. I work hard to keep my credit score in excellent standing now my credit score has been downgraded over XXXX points. I just wanted them to right the wrong, this card had a XXXX limit I am shocked and very mad about this. 
Thank you 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 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XX/XX/2022, Bank of America ( XXXX - XXXX  ) accepted check number XXXX & XXXX check number XXXX in the amount of {$1100.00} payable to XXXX XXXX XXXX This check had been deposited at another bank ATM ( XXXX XXXX XXXX ) on XXXX XX/XX/2022. I have no business or personal banking business with Bank of America. I was made aware of the problem on XXXX XX/XX/2022 and the XXXX deposit was rescinded on XXXX XX/XX/2022. I have attempted to resolve the issue with both XXXX XXXX XXXX and with XXXX XXXX XXXX, without success but have not contacted Bank of America since I do NOT do business with them.

In the interest of transparency, the primary holder of the XXXX & XXXX Account, XXXX XXXX XXXX XXXX XXXX wife. Her XXXX & XXXX Account has been debited for the {$1100.00}. 

Copies of front and back of check with the Bank of America stamp available upon request as well as the duplicate check with the XXXX stamp.

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 2023-02-06
Company: Southern Auto Finance Co
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On Saturday XX/XX/2023, around XXXX XXXX XXXX I received a call from SAFCO a rep named XXXX. I was told the call was being recorded and I also told XXXX I was recording the call and since there was no rebuttal from her, we continued with the call. She was calling about a late payment. I just happen to forget paying it and that made it XXXX  day past the due date which is the XXXX of the month, although I told her it would be paid before the day ends. I asked about a grace period and was told that there is no grace period. However, businesses are supposed to have a grace period ( XXXX  days ) according to my research. Since SAFCO is in Florida, Florida law pertaining to grace periods on a used auto loan is centered around Florida 's XXXX grace period. 

Now According to 15 U.S. Code Sec.1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore, I am making this complaint because it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Synovus Bank
State: IL
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 First progress, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX DEPT OF ED, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: MD
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, 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

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00}

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 2022-05-21
Company: Experian Information Solutions Inc.
State: MS
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 consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
1.XXXX  XXXX  XX/XX/XXXX 2.XXXX  XXXX  XXXX  XX/XX/XXXX 3.XXXX  XXXX XXXX  XXXX  XX/XX/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 2022-05-21
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:
CFPB Write up XXXX 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

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 2022-05-21
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
CFPB Write up XXXX 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

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 2023-02-21
Company: Nelnet, 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: Account information incorrect

Complaint:
The Department of Education/Nelnet is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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 WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF IDENTITY THEFT

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Card had XXXX balance and I was just going to cancel it but I didnt and I pay the fee of XXXX and they said it was late and sent a negative report to the credit bureau over {$1.00} so then I used the card and bought airline tickets, meanwhile they sent another negative report again, I spoke to several people over the phone about this to no avail, so I paid off the card and closed the account. I work hard to keep my credit score in excellent standing now my credit score has been downgraded over XXXX points. I just wanted them to right the wrong, this card had a XXXX limit I am shocked and very mad about this. 
Thank you 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