BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Original Issue Interest charge ( {$100.00} ) on a direct deposit cash transfer offer ( XXXX ) revived in mail, dated XX/XX/XXXX. Also please review another offer ( XXXX-here the reference to direct deposits was clearly called out ) dated XX/XX/XXXX. As you see, the most important aspects of this offer-XXXX ( card purchases and direct transfers are NOT eligible ) was not displayed or mentioned along with the original text and instead it was hidden in small fonts in the footnotes.

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 2022-09-15
Company: Stellantis Financial Services US Corp.
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 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 2 : It also states a consumer reporting agency can not furnish an 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 2021-02-02
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 XXXX  Transunion should not be reporting a collection/chargeoff in the amount of XXXX on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss and I had GAP insurance at the time. The insurance paid off this remaining balance and this account needs to report a XXXX balance due and not be reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the GAP insurance letter for reference which shows the GAP BENEFIT amount of XXXX which clearly paid off any outstanding balance that was due. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-12-10
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX : XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2021-02-02
Company: SYNCHRONY FINANCIAL
State: OH
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:
There is a account on my consumer report that doesn't belong to me i have notified synchrony bank and the consumer reporting agency of the fraudulent account and neither party as removed the account from my consumer report the reporting of this account is harming me financially and emotionally knowing that someone else has my information and synchrony bank hasn't fixed the problem.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the documents provided, and I would like the bureau to commence an investigation into these accounts where I have a flawless record of timely payments, yet they are erroneously marking me as delinquent.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


IDENTITY THEFT ACCOUNTS : XXXX XXXX  XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2021 XXXX XXXX5 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 of 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 non-monetary relief
Consumer complaint received 2019-09-25
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 cash app allowed somebody to dispute charges with them that were fraudulent. Without further investigation on my end Cash app took the disputed funds out of my personal account, and never returned any of me emails I sent out through the app. I also disputed the fund with the my bank, and they couldn't help because of the type of platform cash app was on. They also stated since I had my card on the site I authorized the charge. I contacted Cash app on on XX/XX/19,XX/XX/XX/XX/19, and XX/XX/19. They replied one telling me " Ive passed your case along to a member of our Account Services Team who can help you further. You should hear back shortly. '' but I never heard back ever since. I think this is very unprofessional, it's left me in a deficit, and I will never promote this company again. This is so unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Kikoff 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:
KIckoff account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: MA
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 recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.

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 2023-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
When I got the got the card before I used it I got a fraud larer. I call and activate the card and was told it was a fraudulent letter. It was mid XX/XX/2023 I then try to use the card and it's declined I call and I'm told I have to go to the bank this was between XXXX XXXX on XX/XX/XXXX I spend the whole day at the bank. I was not told I would need an appointment nor did the banker at the bank told me I would be waiting for over 3hr. But I waited, told it's fix and my information is update I go use it and it's block and I have to call again and told again it's fix and it work then this all happened on same day XX/XX/23. Today XXXX XXXX  it gets block again I'm on the phone for over 3 hr. I keep getting hung up or transfer. I'm told it can take 60days before a update phone is fully verified for them to send passcode to do. No back up system but go back to the bank. I'm told call back using their online XXXX XXXX that way we can verify your account and have access. I call back no I'm told that was miss information they have to do passcode it can take 60days but my promotional offer end in 60 their reply you have talk to customer service. I say I want to close my account okay I can do. I ask to speak to a supervisor because if they can close a account then that mean they can unlock it. I'm told samething since they can't send a passcode I have to go bank to the bank. I tell him to close account he tell me it can't be close because I owe a balance. I tell him no he can close that account and bill me. He claims he can't & I have to be transferred I get disconnected. I call back I'm told I was told to go to the bank to close the account. I told her this is 4th person I was not told that a supervisor told me he was transferring me to someone who can, she hung up. On the 7th person I get someone who finally close my account. They had no trouble verifying me in closing it out. This is extremely poor service for a brand new account. Horrible customer service kept being transferred. Kept being hung up to a point where I got so irate. I snapped at the agent and then they finally closed it. Each time I had to call back I had to wait 30 minutes and then when I was transferred to a different department that was an additional 30 minutes. I understand they were busy but this was ridiculous. Each time I talk to someone my hold time was 30 minutes before they pick up. It was only on my seventh try did I I got someone who finally did something.

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 2021-02-02
Company: Midwest Fidelity Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/XXXX stating I had a debt with XXXX XXXX for a loan I supposedly took out in XXXX. I have identity theft and fraud and was able to contact them today. I was told the original loan was for {$600.00} and I now owe {$1200.00}. I asked if she could send me validity of the debt and I have yet to receive anything. The company that this debt was apparently assigned to is Midwest Fidelity Services, XXXX and spoke to a XXXX today XX/XX/XXXX. I have two police reports, one in XXXX XXXX where the fraud originated and one in South Carolina where it has continued. I have tried to call XXXX XXXX on XXXX and they do not show any debt ever taken out by me. My only presumption is that since the debt was sold to Midwest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Chime Financial Inc
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:
On XX/XX/XXXX my account was charged for {$140.00} by XXXX XXXX - So I contacted them and they gave me a different name and a different zip code that was associated with that card. I explained to them that's not even the correct name attached to the card or address. XXXX instructed me to contact my bank because everything went through on their end. So I contacted my bank which is Chime on XXXX XXXX and told them about said charge and the representative filed a dispute for me. The next day I went through my entire account and noticed transactions from XXXX, XXXX, and XXXX. So I opened a claim with the bank again and XXXX and XXXX we're both blocked from my account, and I asked them how were they still able to charge my account. XXXX of the charges from XXXX came back to me and they were " direct debit '' charges, but the other 2 charges were denied as well as the charges from XXXX and XXXX and they did not give me a reason, they just said " they determined there was no error '' and I literally can not understand why when I did not authorize none of these charges. I contacted XXXX again on XX/XX/XXXX, and was able to speak with a supervisor & explained everything to her. She was able to issue me a refund and it never came back to my account. So I contacted Chime again today and spoke with 6 different representatives and they all told me something different. 3 representatives told me " it doesn't matter if the card is cancelled, if there is a refund issued it will be going back to the same account. '' The other XXXX representatives told me an issue can not be refunded to a card that is cancelled. After being on the phone for XXXX hr. and XXXX minutes, I did not know what to believe. All I knew was my bank did a 1-2 day investigation and found no error. When I spoke with XXXX they said they could not verify my account with my phone number or email and there was nothing they could really do without verifying who I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
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: Information belongs to someone else

Complaint:
you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION reported an unvalidated item on my consumer report. Under the FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts rules that reporting a collection account indeed is considered collection activity. Pursuant to 15 USC 1681b ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom in relates. I did not and do not give you permission to furnish this on my report and demand that It be removed. 
TRANSUNION reported a medical item which is in violation of my HIPPA rights. They were not produced with a HIPPA release that releases my medical information to them, nor allowed it to be shared. I am taking this matter extremely seriously, I want this item to be removed immediately. 
I also filled a complaint with Identitytheft.gov reference number: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 2020-01-05
Company: Experian Information Solutions Inc.
State: MI
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:
There are hard pull inquiries on my credit report that should not be there, I would like their removal.

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 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are hard pull inquiries on my credit report that should not be there, I would like their removal.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Account NumberXXXX has violated my rights. Or a 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 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 2020-01-05
Company: Experian Information Solutions Inc.
State: MS
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:
Its on my experience report from XXXX XXXX XXXX. Ive tried to dispute but the dispute was denied. Ive never used the company nor have I ever heard of them. I tried calling them and theyre for a power company for an address that Ive never lived at.

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