BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
I did not give XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the XXXX disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX XXXX and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with Equifax who is allowing XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give Equifax permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit System continues to ignore my request for debt validation. They have not responded and the items must be removed from my credit report of alleged debt of {$1100.00} ans {$520.00}. The information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit, I am now seeking Injunctive Relief through the courts. This is poor reporting practices of " obsolete, inaccurate, irrelevant, outdated, misidentifying, incomplete, incorrect, erroneous, and misleading '' information on my credit report. Defamation of character and willful injury

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been ill for the past month. I have not had control of my finances. I have a checking account with Bank of America. I had some auto payments submitted and they were returned by the bank for lack of funds. I understand that I have to pay the overdraft fees, but B of A wants {$260.00}, when the fees total {$170.00}! Trying to contact someone in the bank 's corporate offices is impossible. You get transferred from one place to another. I am retired on Social Security and I ca n't afford these kind of mistakes. Please help!

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 2023-08-13
Company: Experian Information Solutions Inc.
State: OH
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. And also may be in violation of 15 U.S.C 1605. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2021-10-29
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Bull City Financial has continued to attempt collection activity including credit file reporting on a time barred debt. The original debt is in the state of North Carolina and I am a North Carolina resident. The statuette of limitation in North Carolina is 3 years. 

I was never provided with the legally required validation notice. The alleged debt is from 2015. The account should never have been reported to my credit without providing me a validation notice and should have been removed and all collection activity stopped once it hit the time barred limit. The account is currently being reported against my credit file report is violation of the law and Bull City Financial 's responsibility as a data furnisher. I believe that these actions make them liable for violations of the FDCPA and the FCRA. 

I called Bull City Financial the first week of XXXX, and spoke to a collector named XXXX. I advised that his company was illegally still pursuing this debt past the statuette of limitation. I asked him was he aware of the concept of time barred debt. He told me he was not and attempted to collect against the debt that I advised was illegal. I asked to speak to a supervisor or compliance resource and XXXX disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had an AMERICAN Express XXXX Skymiles card for just under 20 years. Last week I received via postal mail a letter stating my XXXX skymiles card was going away and I would be moved at not cost to me to the Gold card. The funny thing about the letter was it stated that the current card was free. I was pretty sure I pay {$50.00} bucks a year for a fee. Well today I get my monthly bill and sure enough I have a {$50.00} fee for annual fee. 

I decide to click on card options and the exact card I have is showing on the AM X web site while I am logged in as carrying NO FEE. 

I did an online chat and it only left me more confused as the agent told me that the no fee card was going away and starting next year I would pay the XXXX fee for the gold card. Yet the card I currently have is listed and shown exactly as mine available at NO FEE. So if I am being charge {$50.00} then it is not a free upgrade. I also understand that XXXX apparently made my card free last year yet they still charged the {$50.00} annual fee last year. 

I asked if all customers were paying for the free card and was told during the chat yes you are all be treated the same. 

I am pretty certain if you were to go to AM X and click on various cards and pull up the XXXX card you would also see that it clearly states NO ANNUAL FEE. So makes zero sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX XXXX XXXX  Opened XXXX -- XXXX XXXX XXXX XXXX 
Opened XXXX {$300.00} XXXX XXXX XXXX  Opened XXXX {$400.00} XXXX XXXX XXXX XXXX 
Opened XXXX {$420.00} XXXX XXXX XXXX  Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$540.00} XXXX XXXX XXXX Opened XXXX {$620.00} XXXX XXXX XXXX Opened XXXX {$850.00} XXXX XXXX XXXX Opened XXXX {$990.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX XXXX XXXX 
Opened XXXX {$1100.00} XXXX XXXX XXXX  Opened XXXX {$3500.00} Open credit card accounts XXXX XXXX {$620.00} out of {$500.00} 125 % XXXXXXXX XXXX XXXXXXXX XXXX {$250.00} out of {$300.00} 85 % Inquiry details XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Missed Credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on-time 1 Missed Other loans XXXX XXXX XXXX Currently late 6 Missed XXXX Currently on-time 1 Missed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2019-12-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} 0 % paid off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, IL XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/2023 XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXX/XX/2023

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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 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 2023-08-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I approved XXXX mortgage lenders do pull my credit for a loan. Within XXXX hours I now can not stop the phone calls to my new cell number from lenders who the credit bureaus have sold my info to. I went and opted out now but its too late. I has XXXX phone calls to my phone in XXXX hours. XXXX! My phone is still ringing all days from solicitors while I am trying to work. It is completely unacceptable they are allowed to sell my personal data without my consent. I should have had to OPT IN, not out. This has got to be stopped. I have no way to stop the harassment from marketers now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NC
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 submitted a dispute when XXXX and Experian. I did not ask for a pay for deletion letter or any negotiation as I articulated that they BOTH have violated my consumer right s- willfully. I just tried to dispute errors on MY OWN CONSUMER REPORT and Experian said that I couldnt dispute it. ITS MY REPORT- NOT THEIRS. They are a non affiliated third party that NEVER had my permission to report ANY activity good or bad on it. I have precipitated this to both the CRA AND the creditor and they refuse the delete this account. How can Experian tell ME what to dispute! This is egregious!

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 2020-01-23
Company: CITIBANK, N.A.
State: MA
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:
Describe what happened, and well send your comments to the companies involved. XXXX XXXX and XXXX/XXXX. 

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XX/XX/XXXX XXXX/XXXX Late Payment XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 explanation
Consumer complaint received 2023-08-09
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 15 usc 1681s-2

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 2023-02-27
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:
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 2021-02-26
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I was sent a text alert by Chase Bank on XX/XX/XXXX asking if a charge was mine, it was not and I reported it and the card was closed. The next day I logged into my account and started the fraud reporting process on many charges that were on my account or pending. Chase refunded all the charges, I paid off the account as usual and we were squared away. 

In XXXX most of the charges reappeared on my account. I did not receive any mail explaining why and spent many hours on the phone being transferred around as they were confused that I was complaining about charges that had already been refunded. When I got to someone that understood they had been refunded once but charged twice she asked a few questions and said she would have the dispute reopened. She said the denied the claim of fraud because the card, with the chip, was used in person. Well, that's what happens when someone steals your credit card? 

I sent a letter outlining that the card was stolen and used in person, not by me. I do not shop at any of the locations of the charges, and pointed out that I do not shop in person in stores as these charges were, I am only doing delivery during the pandemic. 

Within days I got nearly the same form letter as the first time stating my fraud claim was denied with no options listed for recourse. 

The charges in question are XX/XX/XXXXXXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX  AZ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX Total XXXX

Company response to consumer: Closed with monetary relief