BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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: Investigation took more than 30 days

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 - Has violated my rights XXXX XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights UNKNOWN XXXX -Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX  XXXX XXXX - {$0.00} - Date Opened XX/XX/XXXX -Has violated my rights UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX Has violated my rights XXXX XXXXXXXX Has violated my rights 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries on my credit report with Trans Union i have called mulitple times to have these removed but they Firmly reject my request upon telling them that those inquires are not done by me i dont know where they come from there is no signiture barring my name for those companies to pull my report the inquires as follows. 

XXXX XXXX ( XXXX XXXX ) -XXXX   XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) -XXXX  XXXX  ( XX/XX/ ) -XXXX XXXX (XX/XX/XXXX ) -XXXX  XXXX ( XX/XX/ ) -XXXX XXXX (XX/XX/XXXX ) As requested i would like these removed.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Experian Headquarters, I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX XX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of {$1000.00} per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of {$1000.00} ( {$1000.00} per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this invoice by mailing a check of {$1000.00}. 

This matter is of extreme urgency. Experian has a period of 10 business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the invoice as demanded.

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 2023-09-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/23 I went to download my paypal credit statement. It said the paypal app needs storage permissions to be able to download this. I went to app settings because unlike any other app in existence it didn't pop up with a way to easily do this.. I went back to the app and received the same message even though I specifically authorized storage permissions. I then tried to access my statement via the paypal website and as soon as I logged in it force opened the app. They are denying access to my and XXXX knows how many other peoples statement ( XXXX ) and obviously need you to go hold their app development teams hands to get it fixed as their support team litteral told me " theres nothing i can do about it ''.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: MI
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:
About 5 days AFTER i closed a credit card account for fear of fraud XXXX XXXX  actually allowed 2 transactions in the amounts of {$1100.00} & {$630.00}, both from XXXX. I disputed these, have heard nothing back, tried calling the person handling the case, left a message on XX/XX/XXXX. As of XX/XX/XXXX, still no response. However, when XXXX XXXX reported to the credit bureaus they reported no history, no balance and no credit limit, when in fact I did have a small balance around {$120.00}. They knowingly reported inaccurate information. WHY? 

Further, overcharges, charges a fee of {$10.00} to make a payment to the card and has a scheme forcing card holders to pay {$10.00} just to make a payment over the phone using a debit card and have it credited immediately, otherwise all payments are held for 7 business days. We all know it NEVER takes 7 business days for a payment to process. 

However, for a card holder who wants access to their available credit the next day they must pay by debit card and pay a fee of {$10.00}. Oh and none of this is explained in the agreement while applying for their card. Incredibly greedy and unscrupulous, XXXX XXXX  wants to charge a card holder to pay them. The worst loan sharks dont charge to pay them, seriously! 

Congress and Politicians wonder why Americans are so XXXX XXXX these days, the far right trying to take over the Capitol Building and the far left trying to destroy Hedge Funds. People are sick and tired of Government and Corporations abuse, thats what is truly happening and it is going to get worse unless the XXXX lawmakers who work for the people start actually freaking working for the people. Yes, I am posting this on the XXXX  feed and with those XXXX XXXX supporters. Exposure is the best way to end the abuse. 

To reiterate my primary issue is ; XXXX XXXX  for reasons unknown to me reported that I have no credit limit, no balance or history to the credit bureaus. They deliberately reported inaccurate information for the sole purpose to harm me and their CEO XXXX XXXX XXXX XXXX approved this policy as a way to retaliate against card holders who file a complaint. 
WE all know corporations retaliate, correct?

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 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America close my account with no warning. 
They did they'd send check in mail for both checking and savings accounts. 
After over a month of waiting I called the bank. 
They told me check was in mail and they couldn't reissue until it returned to them and only then can they stop payment. 
This will be after 120 day wait. 
I called again afew more times to check if check was returned. 
I was told it was due to address being wrong in file. Yet I've received 4 pieces of mail from them in the time I'm waiting on cashiers check for my accounts. 
Then i was told twice that check was returned and they'll reissue. Yet when I don't receive and call back they say no check never returned and I have to wait the full 120 days to see what happens and only then will they stop payment and reissue. At which time this same problem is likely to occur again.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
TRANSUNION - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2019-09-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After 30 days of initial dispute of the disputed XXXX XXXX account # XXXX, asking to validate account, equifax failed to do so and deleted the account, I learned today they reinsterted the account without notifying me, according to FCRA previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement was not practiced. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 
Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) only in cases where the deletion occurred as a result of the finding in a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Viva Finance Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent the court, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX letters. The last letter dated XXXX? XXXX saying don't contact me anymore. You ( XXXX ) failed to provide detailed information sent to me and the court so, on XX/XX/ i sent a certified letter to XXXX asking : 1. Statute of limitations for debt in CA is 4 years. I don't believe I owe this debt. I've never spoken to or had an account with XXXX XXXX XXXXXXXX XXXX. I am retired XXXX XXXX XXXX non working veteran I am requesting following informstion from XXXX : A. Send me original purchase agreement with wet signature. 
B.Provide me accurate creditor contact information. 
C.Provide me accurate account number and itemized billing ... when the debt was established and when and if the debt was charged off. 
D. More importantly, I am requiring Proof of ownership that XXXX has a contract with with creditor and authorized to collect debt from me. 
If I do not receive all the information I will file a complaint with Consumer Financial Protection Bureau Cal.Civ Proc. Code Section 697.310, 697.340

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. Not only is this debt not mine but it also over 180 days old, & I have advised this company numerous times that this debt is not owed, however, they continue to place this on my credit report. I have shown proof of such, which was ignored the address this company has on file for me is not mine and I've NEVER LIVED THERE. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is attempting to have American Coradius International LLC collect a debt on a fraudulent account that was not authorized. This account was already notified to XXXX as true identity fraud. I did not own this account and I do not. All of the bank accounts linked do not match to me. The charges on the accounts are not my charges. I did not apply for this account and I did not receive any benefit from this account. XXXX did not have my authorization or permission to open this account. The charges are fraudulent. I did not receive any cards from this company I didnt reach out to XXXX to pursue this account. XXXX was notified Im a victim of identity theft and XXXX chose not to investigate this situation and instead falsely accused me. No proof has been provided I do not own the email address they used to register this account and I will not accept liability for this debt this is true identity fraud and I am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint centers on Innovis, reported inaccurate and private information, which has adversely affected my consumer report. Your actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed these two XXXX  accounts on my credit report. The accounts continue to state verified as correct but then updates are made to some sections. The last times was through this same system confirmation # XXXX. And the information is still reporting and reporting incorrectly. 
To keep validating an account and then making updates shows the lack of accuracy in the reporting and its damage is causing lots of turmoil to my household

Company response to consumer: In progress
Consumer complaint received 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX, I noticed on XXXX XXXX that there was an attempt to open 2 credit cards in my name without my consent. XXXX on XX/XX/XXXX from Capital One Bank and the other from a company starting with a XXXX I dont recall the entire name at the moment this was on XX/XX/XXXX. 

Both of these were without my knowledge or consent and have decreased my credit score significantly. Can you please check into this matter and remove these hard inquiries from my credit report as soon as possible. My credit is not in the best condition at the moment and this situation is not helping. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I asked the credit reporting agencies to not share my consumer report unless expressly written by me. These companies used my credit report to send promotional offers, i did not apply for these and the inquires are hurting my credit report. I dont want these inquires reflecting on my report when i didnt apply for them. 
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 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 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 response to consumer: In progress