BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX # XXXX, 2. XXXX Account Systems # XXXX ( does not have all the account numbers ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( XXXX Account Systems has violated my right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2.It also states a consumer reporting agency can nor furnish an account without my written instructions.

15 U.S. C 1681 c. ( 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 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 2022-10-15
Company: EQUIFAX, INC.
State: SC
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 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. 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 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My sons and I all had accounts under my name at Bank of America. XXXX XXXX had his account for some years with no issues. XXXX # XXXX, XXXX XXXX XXXX, had his account for a few months and reported his ATM card as missing/lost, and a replacement was being sent. In the interim, I noted activity in the account BOA was notified, and the account was to be closed. Despite the request to close the account BOA continued to allow transactions to occur. There were multiple transactions that were being disputed and investigated, but none of the claims involved a return of funds. The last letter stated they believed I made the transactions. Note a police report was opened related to these items as well. 
XXXX dollar charge to XXXX XXXX XXXX XXXX XXXX XXXX ( This is a utility bill of which they should be able to find out whose account benefited from this payment ). There was a check deposited for the amount of {$1800.00} in the name of someone not connected to the account but not questioned and somehow cased out of a teen account. There was a {$300.00} atm withdrawal, and 2 XXXX XXXX XXXX 1 for {$150.00} and 1 for {$200.00}. 
The biggest question/issue is Bank of America closed XXXX # XXXX account as they should have given the fraudulent activity that was occurring but moved the negative balance to son # XXXX account rendering his account negative and removing all access he had to his funds and still has not returned and continues to be at a negative balance as we try to figure this all out. It has been nearly impossible to speak with anyone at Bank of America regarding this incident, and not this is an account that I have had open and in good standing for over 25 years.

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 2017-11-12
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX REF : XXXX/XXXX  XXXX XXXX, Georgia AMOUNT : {$300.00} FROM : XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ). 
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!! 
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours.
This company has violated federal law in its dealings with me. Is it conceivable you could get your companies ( XXXX XXXX XXXX ) to remove this unlawful, and illegal stain off my credit report? In nearly 50 plus years dealing with any companies, I have never been so victimized  and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from. 
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character. 
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.

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 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Last XXXX XXXX I called Bank of America Credit Card collection department ( for my Rewards Visa Signature Card ending XXXX ) and paid {$9500.00} through and by giving my checking account information at XXXX, My balance dropped down to {$230.00}. 
Then today, XX/XX/XXXX, to my shock, I saw in my checking account at XXXX a pending payment to Bank of America amounting to {$9800.00}. I immediately called Bank of America credit card. And I was told that it was a duplicate payment that they couldnt explained how it happened but confirmed that its a glitch in their payment system. I wad told to wait until it posted in my checking account in XXXX before they can refund the huge amount. I called my other bank XXXX  for help because I was very worried of the domino effects it will cause once it posted and that I will be way below my balance and will incur multiple overdraft charges in relation to my scheduled auto payments. Immediately XXXX was able to process a stop payment to Bank of America. And I have to pay {$20.00} for the stop payment processing fee. I am going to ask BOA to reimburse this fee that was charged to me since they are the ones which caused the chaos and inconvenience. Moreover I am filing this complaint to demand an explanation why this unauthorized transaction was attempted by BOA.

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 2023-05-16
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my USAA visa card  XXXX it continues to report open an even chose the old XXXX plus balance on the credit report I contacted the bank to tell them that the account should be closed and they sent me a new replacement card and just reported the card with a balance of XXXX plus this card is closed and has a XXXX balance and it's getting very annoying with the XXXX also pulling my credit when I don't want a new card sending me a replacement card and a replacement debit card when I closed my accounts with them I have closed all my accounts with this bank and XXXX  out all my balances they continue to harass me with reporting information incorrectly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NV
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:
Ive submitted this complaint 3 times CFPB & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EQUIFAX and XXXX with FTC Fraudulent report support my position. It seems EQUIFAX and XXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: LEXISNEXIS
State: SC
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:
On XX/XX/2021 I sent a letter to LexisNexis about the illegally and unlawfully erroneous accounts they are selling to other bureaus. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GEREAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. 
I was never notified in writing or any other communication and I am appalled that these sneaky reporting agencies are sneaking around buying and selling information to determine a persons worth. I demand that these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX OH XXXX To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also HUNTER WARFIELD failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 HUNTER WARFIELD failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If HUNTER WARFIELD even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-05-16
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:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXXXXXX 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 2021-07-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2021, Experian charged {$9.00} to my XXXX XXXX account without my knowledge. I discovered the charge only when I received and reviewed my XXXX bill the next month. I attempted to cancel the charge through a number I found online and was told I could not do so without first providing personal and financial information. I refused to do so and contacted XXXX to dispute the charge. XXXX could not confirm the error but provided better/more trustworthy contact information for Experian and I felt more comfortable providing my personal information. The company canceled my " membership '' but refused to reverse the charge. I searched all my email for XX/XX/2021, and found absolutely no communication from any source whatsoever regarding membership in anything related to Experian. In my opinion, this is fraud on their part and action should be taken. Indeed, the notice attached to this complaint was the FIRST indication I received ( only after disputing the charge through XXXX ) that this would be a recurring charge.

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 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A collection showed on my account through XXXX XXXX. I tried on multiple occasions to make an online dispute with Trans Union. On all three occasions, 2 from the same computer and 1 from a different computer, I got all the way to the end of the dispute form but was not allowed to submit it. I checked their form up and down and had left nothing out, clicked or unchecked but still the 'Submit ' button would not activate nor submit the report when I clicked it. 
The collection action had lowered my score by nearly 30 points. I  have no idea who they are but have no intention of fighting with someone on the phone who will automatically assume I am a liar. In the past two years I have paid off all my credit cards and only have a consolidation loan through my credit union with any amount over {$100.00}. My score has gone from a mid-500 to XXXX until several days ago when this new company posted the same collection to my account prompting Trans Union to lower my score by nearly 50 points. 
I have tried to log into the account I was required to set up with Trans Union only to be told the password I am using is bad - so I change  the password and get kicked to a page which says, " XXXX you can not access your account at this time. Please contact your Security Administration or Help Desk. '' I get the same message when I try to log in from my home computer so it is nothing on my end.

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