BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened Bank of America Credit ( BoA ) with a limit of {$28000.00}. 
On or about XX/XX/XXXX, I purchased ( i.e., signed a contract/invoice attached-this was cabinet purchase only without installation ) kitchen cabinets from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX, XXXX : XXXX ) with Total Amount of {$16000.00} ( See the I ) ; the XXXX made two separate equal transactions of {$8600.00} on XXXXwhen purchased & XX/XX/XXXX of XXXX-one delivery. The Delivery Date was supposed be XX/XX/XXXX ; however, the delivery was completed more than two months later. 
On or about XX/XX/XXXX, my BoA credit card Balance was {$27000.00} XXXX almost maxed out of {$28000.00} limit ) ; however, XXXX XXXX made an UNAUTHORIZED CHARGE of {$5300.00}. 
Between XX/XX/XXXX & XX/XX/XXXX, DLeon Kitchen made repeated UNAUTHORIZED CHARGES ( {$8600.00} & {$5700.00}, respectively ). 
On or about XX/XX/XXXX, I filed dispute with the BoA ; Firstly, I disputed with the BoA, the UNAUTHORIZED CHARGES OF {$5300.00} ; more importantly, the BOA went over the authorized limit without my consent. 
Lastly, I disputed with the Boa, the UNAUTHORIZED CHAREGES OF {$8600.00} & XXXX ( i.e., I only signed and purchased on one contract for the cabinets, no other purchases were made after XX/XX/XXXX ). 
On or about XX/XX/XXXX, the BoA simply denied my requests, without a reasonable explanation, with reasons- the charges were authorized! This is completely incorrect! I firmly believe that the BoA made erroneous decision based on what appears to be easier on them rather than what is the Correct/Right decision. 
Please properly investigate and help me with the BoA unfair & illegal practice. 
Thanks,

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 2022-11-29
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 am not a co-signer on this loan XXXX XXXX XXXX and this needs to be removed from my credit

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 2022-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Im the trustee of the trust account at Chase bank. They refuse access to her XXXX social security check and have even refused to return it to Social Security when they asked XXXX for it back. I also have a XXXX XXXX XXXX in the trust name that matured in XXXX. They refuse to cash it out. Ive been to XXXX separate branches for help and have received none. It actually took me XXXX XXXX before they would allow me access to the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Today, I am filing a case against the XXXX and Transunion Credit Bureaus for violations of the Fair Credit Reporting Act or FCRA, Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate information in my credit file. I am not satisfied of what the XXXX and Transunion Credit Bureaus reported some inaccurate information in my credit file. I found out some inaccurate inquiries and I never upheld these all, For this reason, I want you to help me delete these inquiries in my credit file : XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX Inquiry : XXXX. XXXX, 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account XXXX : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX XXXX/XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXXXXXX  - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been sending letters to the credit bureaus for a vehicle loan that has been appearing on my credit file. According to federal law, the creditor is to provide me with the original documentation when requested. I have mailed them a request for method of verification and supporting documents since XXXX. The only response I am getting from the bureaus is that they can make a decision without having to contact the lender. I have rebuttled their argument by stating that they have to provide me with all the original documentation to prove to me that this is my account and they are not able to produce such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

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 2022-10-17
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have sent a cease-and-desist notice on XXXX an affidavit of truth on XXXX notarized I have allowed 45 days to reply have not received any document I have requested they are unable to provided sufficient evidence that the alleged debt is owed and where the loan originated from, they have ignored my affidavit and have not responded to affidavit or invoice due XXXX as of XX/XX/17 I'm sending an notice of default and opportunity to cure if no response I have no chose but to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft, I have made XXXX complaints in the FTC department notifying each of the credit agencies XXXX, TRANSUNION, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.

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 2021-11-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them and they are constantly reporting on my account. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charged off : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} Collection : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1994 My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Alltran financial is trying to recover XXXX for XXXX. I was a part of class action lawsuit against XXXX. As part of XXXX settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by XXXX no further attempt would be made to pursue. I have tried to contact XXXX  and alltran is aware yet continue to call and threaten me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was informed of an XXXX XXXX XXXX balance of over {$4000.00} that was effect in XX/XX/2012 on my credit and I knew nothing about it when I was trying to rent home and buy a car. I have been trying to reach XXXX XXXX and I have been told they are out of business, I don't even know if that is true. The company Kimball , Tirey & St. John LLP XXXX XXXX says they can not provide me with the original creditors info as that is their client. First of all this should never have gone to an eviction on my credit, I was never aware of any judgement to pay this, and XXXX XXXX told me the address they had to send me info was on I had not lived there in 20 years! This is why I am suspicious of this company and there info. I asked that I make minimal payments after they threatened wage garnishment and they said no. I should not even be responsible to pay this debt. To my knowledge this debt is time barred and I don't even know that if I paid this debt, it would resolve it. I don't know if the original creditor would come after me. The amount they say owed is {$4900.00}. I paid my last month rent to the property and left my deposit!!! I don't even see how I owe anything to begin with, and i cant find the property management company to discuss and see proof of anything. Now they are threatening to garnish my wages and that threatens my livelihood. Why cant they settle with me at least I am trying to pay even though I know I don't owe this debt. I just want it off my credit, which I have disputed. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EasternAccount system in CT is trying to collect a debt that I dont owe. I asked them numerous times to verify that the debt belongs to me but they refuse. I put a dispute with XXXX and XXXX. XXXX removed it but XXXX didnt because it was verified by them. They are claiming that I owe a balance to XXXX XXXX but when I contact them XXXX said that my balance is zero. Called them numerous times and never got a solution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, Department of Edu XXXX XXXX XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX XXXX XXXX are both past 7 year reporting.

Company response to consumer: Closed with explanation