BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: CL Holdings LLC
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:
Account is showing as opened in XX/XX/2016. I have not had an account with the original creditor for over 10 years, should no longer be on my credit report. 
Amount owed is inaccurate, have never had such a balance with original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am submitting this complaint to followup with Trans Union after they have not answered my numerous calls and letters I sent it to fix the errors on my credit report. I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX  XXXX and the us small business administration inquiries. credit plus did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!

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 2020-10-29
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: Information belongs to someone else

Complaint:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2023-06-12
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Late payment history is wrong. The late payments and/or payment history isnt reported the same on all XXXX bureaus. Dates do not match. Account is paid in full. 
XXXX shows late payment for XXXX XXXX. XXXX shows late payment for XX/XX/XXXX. Payments are incorrect. Close and open dates do not match. Comments do not match. Each report is different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
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 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 2023-07-25
Company: Specialized Loan Servicing Holdings LLC
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: Public record information inaccurate

Complaint:
The loan ( SPEC LOAN SV ) is being erroneously reported to the credit bureaus. The loan was not included in the bankruptcy. I contacted the loan servicer and verified this information directly with them. The error seems to have arisen when the loan was transferred to loan servicers.

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 2023-10-31
Company: EQUIFAX, INC.
State: GA
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:
XXXX is showing that I have XXXX accounts reporting with them. 8 of those accounts are open and 12 are closed. Equifax has 12 accounts, 4 open and 8 closed. Experian has 18 accounts, 6 open and 12 closed but, all are showing payment history and the amount owed which are transactions. This is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: MS SERVICES LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MS Services LLC has been harassing me and holding my credit file XXXX. They're attempting to collect {$350.00} from me for a debt I do not owe. They have not provided the original signed contract and refuse to remove the debt from my credit file. Due to them negatively affecting my credit I have been refused auto loans and credit accounts and have suffered many other damages due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This complaint is in reference to my Lowes card financed by Synchrony bank. I called Synchrony bank on XX/XX/2021 due to a statement received. I was informed by there customer service that my account has been automatically enrolled by Synchrony in paperless billing by Synchrony. This was unauthorized by me and I was not notified of the change of billing nor were I given options to decline this service. The phone representative informed me that I was notified by email which was not received or read by my self. This is an unauthorized sales/service practice by Synchrony bank, in which they are forcing customers to electronic services with out the customers permission or knowledge. I was advised by phone that Synchrony will not provide documented proof that this Illegal activity will not negatively effect my account, Credit reporting and that interest and fees will continue to accrue on this account. This activity is Synchrony Bank 's way of obtaining additional interest income and fees from its customers and negatively affecting there customers credit and should be dealt with sever punishment. Other US banks have been through multi million dollar law suits due to Unauthorized sales and service practices and here we go again with Synchrony. I am asking for you to levy a {$400.00} executive order against Synchrony bank that is payable to me for this illegal activity to me. Further more, Synchrony bank should not be allowed to charge fees and interest on this or report any negative credit reporting. My {$400.00} complementation request is only valid for the month of XX/XX/2021. I am currently seeking a Mortgage on a home and if any negative reporting is sent to the credit bureaus about my account with Synchrony I will be obligated to increase my compensation request to {$400000.00} to {>= $1,000,000} depending on my lenders review of the updated credit reporting.

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 2020-10-29
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I was charged {$780.00} by XXXX  XXXX XXXX on a Discover credit card. I never bought or ordered anything from this company. 
On XX/XX/2020, this amount was returned to my account. 
On XX/XX/2020, this amount was deducted again. 
On XX/XX/2020, the amount was returned. 
XXXX XX/XX/2020 amount deducted again. 
XX/XX/2020 amount returned XX/XX/2020 amount deducted again. 
Already in XX/XX/2020, I initiated a dispute against this transaction. On XX/XX/XXXX, the company sent me a decision that it was a no fraud and closed the dispute. The whole affair stretches to this day. 
The goods were ordered with my credit card but with my wife 's name. My wife also did not order or pay for any goods. The credit card was issued only for me. Only I use it this credit card. When I asked how it was possible that a transaction with my card number but a different name was allowed, it was not explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: VA
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:
XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act 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 2020-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
Re : incorrect information dispute for XXXX Account XXXX Experian has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.

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 2021-05-26
Company: Experian Information Solutions 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:
They are reporting inaccuracies in my consumer report due to 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 2020-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Case # XXXX - Bank of America Home Equity Line of Credit account Correction of past due balance {$520.00} transferred to new servicer, XXXX XXXX XXXX as of XX/XX/XXXX we are requesting Bank of America to correct ( BOA ) the error made on our account which was then passed on to the new carrier, XXXX XXXX XXXX  ( XXXX  ). The root of the issue resides with the error BOA made on our account and XXXX  refuses to correct that error and has used it as a basis for continuing to declare that our account is in default, which is false. 

PLEASE CORRECT THE ERROR BANK OF AMERICA MADE ON OUR ACCOUNT AND COMMUNICATE THE CORRECTIONS TO THE NEW SERVICER THAT YOU MADE AN ERROR. The mis-information/error of the past due balance of XXXX was transferred as of XX/XX/XXXX to new servicer, XXXX XXXX XXXX  As a result, XXXX XXXX XXXX  has used this incorrect past due transfer balance of {$520.00}, thereby affecting our current balance and credit. XXXX response letters stated that BOA reported us as delinquent as of XX/XX/XXXX and continues to demand payment. 

Please assist us to resolve this BOA collection balance error that has been an issue since XX/XX/XXXX with XXXX XXXX XXXX. Attached are our supporting documents & response sent to Florida Office of Attorney General.

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 2020-10-29
Company: Experian Information Solutions Inc.
State: AZ
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:
*Experian XXXX XXXX XXXX amount {$10000.00} has a 90 day late payment on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  : {$10000.00} has a 120 day late payment. These 2 ACCOUNTS ARE REPORTING MISMATCH INFORMATION. Remove immediately *Experian XXXX XXXX XXXX  Amount : {$3600.00}, Date opened : XX/XX/XXXX This account is reporting a 90 DAY LATE PAYMENT. 
*XXXX  XXXX XXXX amount {$3600.00} is reporting a 120 day late payment. These 2 accounts ARE REPORTING MISMATCH FALSE INFORMATION. Remove immediately. 

*Experian XXXX  XXXX XXXX  Amount : {$1800.00} Acct # xxxxxxxxxxx XXXX Date opened : XX/XX/XXXX is reporting a 90 Day Late Payment *XXXX XXXX XXXX XXXX Amount {$1800.00} account is reporting a 120 Day Late Payment. These 2 ACCOUNTS ARE REPORTING MISMATCH FALSE INFORMATION ON MY CREDIT FILE. REmove immediately. 

*Experian XXXX XXXX Acct # XXXX Date of inquiry : XX/XX/XXXX This account does not belong to me, remove immediately

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 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Capital One authorized release of federally protected unemployment funds to a debtor submitting misrepresentation of documents as IRS Tax Liens to levy federally protected unemployment funds from my Capital One Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Card states that they closed my account for non-use in XXXX after sending me two notices by mail of their intention. However, I never received notification. I contacted them to reopen my account due to their being in violation of terms that require them to notify me prior to closing the account, but they have repeatedly denied my request and informed me I would have to reapply for a new card. 

They have damaged my credit score by closing the account ( and did not notify me as required ). I have no interest in reapplying for an account because that will further damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: GA
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:
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. 


Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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: Personal information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
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: Their investigation did not fix an error on your report

Complaint:
I have student loans with XXXX XXXX in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them XXXX. I am currently trying to buy a house, but with XXXX in student loan debt on a fixed income, that is not going to happen anytime soon.

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 2022-06-12
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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

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