BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - XXXX XXXX XXXX Date Filed XX/XX/2014 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also 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 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 2019-12-26
Company: U.S. BANCORP
State: NV
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:
My credit card was used without authorization, there are fraudulent charges on my account, I did not suthorize these charges XX/XX/2019 - XXXX XXXX - {$2600.00} XX/XX/2019 - XXXX XXXX - XXXX XX/XX/2019 - XXXX XXXX - XXXX I have contacted the bank several times, via phone, and sent in the fraudulent charges documentation on XX/XX/2019 and again XX/XX/2019 The bank initially credited my account, then on XX/XX/2019 they have reverse the credits and debited my account without investigating these fraudulent charges. The debit appeared on my account on XX/XX/2019 - they have sent me the documents to be filled out dated XX/XX/XXXX, but I did not receive the documents until XX/XX/2019, which I have returned on XX/XX/2019, but ty this time the debit was posted on my account, and the investigation was concluded. There is no evidence that these charges are valid, there is no receipts, etc .... 
I have been calling the bank weekly since then, sent multiple email messages, but the bank is not responding. Every time I call, no one is willing to discuss the fraudulent charges, and they are telling me that the case is closed. I did not make these charges, therefore, I should not be liable for these fraudulent charges. Obviously, I'm not going to be able to pay these charges. 
I would like these charges to be removed from my credit card account, and the interest charges as well.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXXXXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE

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 2022-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get copies of my free credit report from the 3 CRA 's for the past 3 weeks now from annualcreditreport.com but keep getting error messages when it tries to process my request through their system. 

All the information i provided was correct and accurate. 

The site suggested that i call in and have the reports mailed to my address, so i did that and still have not received anything. 

See attached.

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 2018-09-12
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 information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX XXXX over 2 months ago ( XX/XX/2019) asking to register for usage of online banking to pay my auto loan and was told I needed a pin to establish an account. I informed XXXX I would be leaving the country for 7 weeks and needed the pin ASAP. The XXXX rep suggested I enroll in auto payments so I did just incase. I never received the pin and left on XX/XX/19 and returned on XX/XX/2019. On XX/XX/19 I received an alert from Experian stating my account is 30 days passed due. I immediately called in and told them I was on automatic payments. They informed me that the last representative I spoke with in XX/XX/XXXX didn't enroll me in automatic payments. I made the payment I was behind and the next one just incase to make my account current. I requested that my late payment be taken off my credit and was informed by the XXXX rep I needed to submit It in writing.

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 2023-02-24
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$320.00} XXXX XXXX  XXXX XXXX XXXX  : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  : {$770.00} XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
There was unauthorized purchase on XXXX XXXX $ for XXXX XXXX XXXX sim card. Bank of America did n't start investigation after my dispute 2 months. After I called and ask for actual check they started investigation and completed in 1 day and declined it without investigation. When I called them they even could n't provide me a reason. I called to Bank of America 4 times after that and they just ignoring.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 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 items 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: NY
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting 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 not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The cause remains unknown to me, but what's definite is that this investigation wasn't permitted by me and was undertaken by the creditor without my consent! Prompt removal is required.

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 2023-07-20
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: Their investigation did not fix an error on your report

Complaint:
Please see the attached FTC Report and remove the unauthorized inquiries from my credit report within 7 days of receiving this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have contacted cfpb before on this matter with chime bank and they agreed to write it off and closed account but now I see that they have placed it back on my credit reports and not let them know that you can not report write off and in credit reports cause its considered income and according to regulations can not be reported. So why is it they resolved the issue by writing it off then go back to change it to still reporting is crazy and I want it completely removed from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: ALLY FINANCIAL INC.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Prior to leaving the XXXX for the XXXX, I confirmed with my bank ( Ally ) what exactly I was to do to avoid excessive fees and currency exchanges during my time in the XXXX. Per emails from them I was instructed that they were members of the XXXX XXXX  and that I should seek out those machines. I would only have to pay a small international transaction fee. 

On XX/XX/XXXX I was told by Ally - " Please keep in mind that Ally Bank does have an ATM locator on ally.com and the mobile app. Any transactions performed at XXXX ATMs are surcharge free. XXXX ATMs are available outside of the United States in XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. You can also find these locations at XXXX XXXX I followed these instructions and found a machine on XXXX XXXX XXXX XXXX XXXX  upon my arrival on XX/XX/XXXX. The maximum I was able to withdrawal was XXXX pounds which at the conversion rate of XXXX came out to roughly XXXX XXXX with a XXXX ( XXXX ) fee. 
Upon checking my withdrawal statement on the Ally app - I discovered that they took XXXX XXXX. A predatory difference of XXXX XXXX. 
I filed complaint with the bank and was told the following my a customer service agent named XXXX and his message reads the following if you can make sense of it. I was not challenging the transaction fee but the predatory way they hoodwinked me with a false and excessive exchange rate after assuring me this would not happen. 

" If you conduct a transaction in a foreign currency, the Debit Network will convert the transaction amount into U.S. Dollars by selecting an exchange rate from a range of rates available in wholesale currency markets ( or the government-mandated rate ). The exchange rate will be applied on the settlement date of the transaction which typically is later than the date of the actual transaction. It may not be the best rate or the rate that the Debit Network itself receives. In addition, an International Transaction Fee of up to 1 % applies to any POS debit or ATM transaction originated by any merchant or any ATM operator located outside the United States. Other fees for foreign transactions may apply. We will not reimburse you for any exchange rate loss or fee, or for any other fee you incur by using your Card outside the United States. '' The customer service rep XXXX who called me ( and I have all communication should you need ) can be reached at XXXX and select option XXXX. 
I have attached his message to me. I have attached the message from Ally instructing me about the XXXX access. I have attached a copy of the ATM receipt which you can see is in the network of XXXX. I have been hoodwinked here and XXXX seems to be the kind of rep who only cares about profit of business.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-11-18
Company: M&T BANK CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my credit card and checking account with M & T in XX/XX/2019. The balances of both accounts was {$0.00} when they were closed and I was informed by the bank that no further charges could be made on the accounts. On XX/XX/2019, I received notices from credit monitoring services of a past due amount associated with the credit card account. I do not have access to this account and received no notifications related to any collection attempts. In addition, there should be no balance since I closed the account at {$0.00} and your bank should not have accepted any further charges, consist with what I was told when I closed the account. 

I contacted the bank via email ( XXXX ) on XX/XX/XXXX and have not received a response. I called the customer service line ( XXXX ) and spoke with XXXX on XX/XX/XXXX and discovered that the total balance due was approximately {$100.00}, with {$35.00} of that being from late fees, {$57.00} in charges, and the remaining amount being from interest. The customer service department agreed to reverse the late fee and forwarded me to the collections department to discuss the balance due. I spoke with XXXX in collections and was informed that the account was no longer accessible to the collections department. She indicated that the company 's policy was to keep the account 3 months in collections and 3 months in recovery, but my account had apparently been handed off to collections after 3 months and M & T no longer had access to it. To reiterate, I have not received any notifications of any type from either the bank or a collection agency.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX appeared on my EXPERIAN 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 2023-07-03
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Rocket Mortgage, LLC
State: TN
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:
I received an unsolicited call from a RocketMortgage specialist on XX/XX/2022 at around XXXX XXXX. The mortgage specialist, XXXX, proceeded to railroad me into conversations about a refinance that I had no interest in, and then pulled a credit report without my consent. Once I realized that my credit had been pulled I let the agent know that I had not consented and ended the call.

Company response to consumer: Closed with explanation