BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On or around XX/XX/2022, I was alerted by my bank and by a credit monitoring service that I had a new hard inquiry on my credit report. Upon investigation, it was an hard inquiry from Bank of America on my XXXX credit report. I have never authorized this bank to do this. I contacted XXXX that same day to dispute the hard inquiry, and was informed that I would need to contact Bank of America to obtain an " Inquiry Deletion Letter. '' I have made numerous attempts to contact Bank of America, and found it nearly impossible to make contact with any agent of their organization. At last, on XX/XX/2022, I was able to establish such contact. After being bounced around from agent to agent with promises of being transferred to their " fraud department, '' I finally spoke with an agent who ran my name and SSN through their system to at least check to see if anyone had successfully opened any accounts with their organization ; the agent told me that she did not find a profile for my name and SSN. I asked about the Inquiry Deletion Letter that XXXX requires, and she said that I was the second person this week that had asked for one ; she had spoken to her supervisor, and they were unaware of anyway to obtain such a letter from Bank of America. I want this hard inquiry removed from 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 non-monetary relief
Consumer complaint received 2021-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
i would like to make a complaint on Bank of America on XXXX charge come in from XXXX XXXX  cell phone and shouldnt until XX/XX/XXXX for XXXX dollars on XX/XX/XXXX were reverse back to account credit the. bank america let go thew and funds wasnt in it cause my account to over drawn and blocked out my account that i cant receive money again like complaint XX/XX/XXXX block card to account and same again need the change i had and to recive money from my daughter and no way to get it XXXX XXXX were blocked the transaction of {$39.00} and Accept XXXX XXXX XXXX go thew and over drawn my account and charge {$35.00} over draft fee now bank america sating it take more than 2 to 3 days what XXXX XXXX stated .and depend on my bank i recieved a email from XXXX XXXX saying it went thew to bank and bank saying 5 to 7 days and i need my account as of now access to my money and recieve money .and now i cant be help with inconvienece of account over drawn from charges to a account with less money in my account .and didnt block it like XXXXthats hurting me now no access to account from bank down fall.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-09-09
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:
I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The concerns you had available, do not fall into my complaint. You should have had an other category. Anyway my complaint is against the policies of PNC Bank. The Feds have increased interest rates several times. PNC has increased interest rates on loans, mortgages, etc. However, savings customers have not received any raises at all from them. Around XX/XX/2022, I spoke to a teller at my local branch about the interest rates, and he gave me a telephone number to callXXXX. I called about XX/XX/XXXX, XXXX and a rude woman informed me that PNC doesn't ever have to raise interest rates ; nor do they have any plans to do so. This is outrageous and should not be allowed. XXXX folks depend on interest rates to help pay for meds and other basic needs. Money is provided to a banking institution for their use and investors should be treated fairly, not be ignored or financially abused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-12-19
Company: JPMORGAN CHASE & CO.
State: TX
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 XX/XX/2018 I submitted a billing dispute for the XX/XX/2018 charge of {$330.00} from the XXXX XXXX XXXX XXXX. My reservation was made for a total of {$160.00} and upon arrival, this rate was verified by the hotel at which time I provided my card for authorization. However, the hotel decided to change my rate after I had already checked out of the property. I provided Chase with a copy of my original reservation showing the verified charges at the time of check-in as well as a copy of the XXXX Terms and Conditions highlighting the documents required qualify for my rate. The required documentation was provided and verified by two employees at the time of check-in. No mention of a rate change was ever made during my stay, thus the merchant violated the terms of sale and changed the amount charged after I departed the property. 

Despite providing this documentation on XX/XX/18 and again on XX/XX/18 at the request of the Chase dispute team. I originally filed the chargeback only days after the charge posted well within the allowed timeframe for identifying billing errors. However, Chase decided to find the claim invalid on the basis that the chargeback timeframe had already passed. This denial reason was due solely to Chase 's violation of 1666.  Correction of billing errors, which requires an investigation and resolution within two billing cycles. However, Chase 's denial was provided after 5 billing cycles from the date the dispute was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Reporting a debt that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In Baker v. American Financial ServiceXXXX, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In Kunwar v. Capital One, N.A., 2017 WL 5991864, at *36 ( N.D.Cal., 2017 ), Judge XXXX allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) Shull v. Synchrony Bank 1:19-cv-00715 BOBBY A. SHULL, Plaintiff, v. SYNCHRONY BANK, and EXPERIAN INFORMATION SOLUTIONS, INC., Defendants .

Baker v. American Financial Services, In Kunwar v. Capital One, N.A., 2017 WL 5991864, Shull v. Synchrony Bank 1:19-cv-00715 violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that Synchrony canceled Plaintiff 's debt, and thus, Synchrony 's continued reporting of Plaintiff 's outstanding debt to the CRAs 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ANSWERING A FINAL JUDGMENT ON A MOTION FOR WAGE GARNISHMENT ON XX/XX/ I SENT THE CHEK # XXXX FROM XXXX ON THE AMOUNT OF XXXX. THIS CHECK WAS SENT BY CERTIFY MAIL TO PORTFOLIO RECOVERY ASSOCIATES AND RECEIVED BY THEM AS I CAN SHOW COPIES OF IT. 

UNDERSTANDING THE WAY THINGS WORK, THE GARNISHEE WITHDRAWN FROM MY PAYMENT IN TWO PAYCHEKS THE AMOUNT OF XXXX. UNTILL, WE ASKED TO STOP SINCE WE SATISFY THE PLAINTIFF IN THE TOTAL AMOUNT OWE. 

AFTER SEVERAL PHONE CALL WE WERE PROMISED THE RETURN OF THE AMOUNT PAID IS EXCESS. ON XX/XX/ WE SENT A CERTIFY LETTER ASKING FOR THE RETURN OF THE AMOUNT THAT NOW OWE US. SINCE THAT DATE NO COMUNICATION, INFORMATION OR ANYTHING HAVE BEEN RECEIVED. 

ON XXXX XXXX WE SENT A CERTIFY LETTER TO THE OFFICE OF THE ATTORNEY GENERAL OF THE STATE OF FLORIDA ASKING FOR HELP IN THIS MATTER. 

AN EMAIL FROM XXXX XXXX FROM THE XXXX XXXX XXXX XXXX FROM THE ATTORNET GENERAL OFFICE RECOMEND TO CONTACT THE VIRGINIA ATTORNEY GENERAL SINCE THE COMPANY IS LOCATE IN THIS STATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries do not belong to me .... 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-09-09
Company: Emergent Business Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Emergent Servicing failed to send a written notification of the debt that was allegedly owed to XXXX. They did not send anything in writing, they keep going back to " we sent it by email. '' I have a right to dispute this debt, this was NOT sent to me in writing. My contract is NOT with Emergent Servicing, it is with XXXX. As far as I am concerned this balance has been paid in full since Emergent Servicing paid off what was owed to XXXX in an attempt to try and EXTORT money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Loan Lending Company XXXX XXXX. At this time the Lending Company has merged 3 times to a fourth company, now Nelnet since I signed up. That is an indicator to me and a privacy concern. I thought the bank account information and the personal information in general should have been a Second Amendment possibility. The company is for students and that is too much to consider after a XXXX I am now alerting someone. 
I have written a letter of complaint by mail to the company direct unsure of receipt. 
XXXX XXXX XXXX XXXX Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.

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 2019-09-09
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:
The following accounts are fraudulent : XXXX XXXX XXXX {$1700.00} XXXX   XXXX XXXX XXXX {$1600.00} XXXX {$1100.00} XXXX XXXX {$590.00} XXXX   XXXX XXXX {$93.00} XXXX XXXX XXXX XXXX XXXX {$76.00}

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 explanation
Consumer complaint received 2023-04-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: ID
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:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER ( 2 ) LIMITS ON INFORMATION RECEIVED UNDER PARAGRAPH ( 1 ) ( B ) ONLY ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
On XX/XX/2023 ChexSystems violated my rights, and broke the law, according to The Fair Credit Reporting Act, two times. According to the law cited above the first offense and violation came when ChexSystems shared my personal experiences with another entity and without my consent. The second violation of my rights, and the law actually came on two separate days. According to The Fair Credit Reporting Act, ChexSystems failed to disclose my consumer report when I requested it on XX/XX/XXXX. On XX/XX/XXXX I requested my consumer report a second time from ChexSystems. This violates the law stated below.

15 U.S. Code 1681g - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 
I XXXX am also attaching a invoice for Actual and Statutory Damages. I will also provide proof that ChexSystems Shared my information without my consent and the damage this shared information caused.

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