BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NC
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Someone has had my social security number for going on two years or more now. My credit is trashed, and I have over thirty-two hard inquiries on just my XXXX credit report from many different creditors. I have tried to contact each creditor to no avail, they tell me all my information matches up, thus not being able to remove the inquiries. These inquires WERE NOT ME, I have had my mail stolen countless times, credit cards stolen, bills, refund checks, identifying information, and much more. These creditors have not helped 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 2018-05-17
Company: ORG GC GP Buyer, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX of GC Services Limited Partnership contacted my place of business on multiple occasions. XX/XX/XXXX was the last occasion, where I actually called her back, and informed her that the number she was calling was my place of employment, and that her continued calling was going to cause me difficulties at work. Apparently, this was not enough for XXXX XXXX, as she called once again on Monday, XX/XX/XXXX. I again informed her that she was not to call my office, and that by doing so she was violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Innovis
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: Personal information incorrect

Complaint:
Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are inaccurate. 
MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also see that on my report there are several incorrect spellings on my name and i'd like to remove any variations that do not read as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NH
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:
1 : ) Nissan-Infiniti LT Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX and XXXX  has stated this multiple of times : That the data furnisher says that Nissan-Infiniti LT 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

Nissan told me they will report it correctly ; however, this did NOT happen. 

I believe that XXXX 's, Nissan 's and XXXX 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
cavalry spv1.llc XXXX XXXX XXXX  n.y. XXXX has place a collection account on my bureaus on XX/XX/2019 in the amount ofXXXX. they say the orig creditor is XXXX XXXX I have never entered into a contract with XXXX   nor cavalry ending in XXXX I have requested three time a signed contract from cavalry and have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently checked my credit score on XXXX XXXX. I noticed my score decreased even though I haven't applied for any loans credits cards ect. The website advised me I currently had a hard inquiry in my file. When I checked to see what it was for this came up Institution Information XXXX/XXXX   XXXX, FL XXXX. I tried to call the number to speak with anyone about this but no answers. I wanted to make sure my information hasn't been stolen. Agian I have not applied for any loan credit cards or anything like that so not sure what this is. Please contact me when you can my email is 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 2018-12-18
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Sunset Finance, XXXX XXXX XXXX XXXX # XXXX, XXXX, SC XXXX mailed a live check in the amount of {$1000.00}. 
The " Pay To ... '' is XXXX XXXX, an ill and elderly family member. He is in his late XXXX. 

It is drawn on XXXX XXXX XXXX with check # XXXX. Dated XX/XX/2019. Expiration Date is XX/XX/2019. 

Mr. XXXX ( XXXX ) could owe this money if some low life picked it from the trash or street side. At minimum, these mail outs expose personal information, dangerous in the hands of the wrong people. 

The finance charge is {$280.00}. It is a 48.82 % interest rate. Given Sunset checked his credit reports, his age and responsible credit history is obvious. It is also significant he has only done business with mainstream financial institutions. 

Mr. XXXX did not initiate any contact or transaction. 

Sunset has targeted our area and it needs to be reigned in. 

Zip code XXXX has some older, still nice neighborhoods and many low-income XXXX and XXXX young groups. We also have a young, vulnerable college age group within this zip. 

I called CFPB today to opt out as a preventive measure. 

I am hoping CFPB can help reign in such irresponsible targeting of our neighborhoods in the XXXX zip code.

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 2019-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 asked Bank of America to stop an electronic funds transfer from a company that I revoked authorization to do monthly EFT s. The eft 's are done on a Bank of America credit card where I have revoked authorization with the company to do these EFTs. Bank of America is allowing these EFTs to continue even though I have revoked authorization with Bank of America to stop these EFT s being taken from XXXX XXXX XXXX XXXX XXXX for {$260.00} every month.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello Consumer financial protection bureau. I called TransUnion on Saturday to tell them. To open my credit report in Monday XX/XX/2022. She then said ok. She put me on a brief hold and said. I am Opening up Your credit file Today. I said No. I want it to come on Monday XX/XX/XXXX. Then last Until the XXXX and close on that Date. She said No I am Opening your cr dir file Today. And I will close it On the XXXX. I was disappointed. She didn't do what I asked Her To do. As a Result. Three Creditors. Access My account and Ran a credit check. Now these People were Not Authorized to use My credit file. She deliberately set my file up to be Used this way. I did not want the file to be Open until today. It has been used Three times all ready and The One Company I wanted it For. He's Never gotten a chance to Use it Yet. She Opened my credit for fraudulent use of My files and I don't know who thes creditors Are?. I asked her not to Open it and She went ahead and Unfrozen my Account. Without My Permission. Pleas look into this matter and cite these people for this matter. She was wrong to do this to me. I Never asked her to Open my file that Early. She went ahead and done So anyway.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 # XXXX, 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

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 2022-08-15
Company: Experian Information Solutions Inc.
State: TN
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 # XXXX, 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

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 2018-05-17
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: Information belongs to someone else

Complaint:
I filed an Identity Theft Report with the FTC # XXXX because neither Equifax nor XXXX will provide validation or verification of identity. I have tried numerous times with certified letters to get this resolved with both Equifax and XXXX but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. I have also had a fraud alert placed on my credit reports until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: WI
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:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: CA
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 got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute 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 explanation
Consumer complaint received 2018-12-18
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not know anything about this debt from Perfection Collection. They just added on my credit about 2 months ago and I've never received a phone call, letter, email or anything because it is not my debt. I never lived at the address that this debt was for. I disputed with them and XXXX credit reporting agency. I have sent drivers license and letters from apartment I actually lived at during the time they say I acquired debt, also sent emails from myself and collection company to XXXX and they still wont remove. This Perfection collection said the only way this could be removed is for me to file a police report and charge someone with fraud. 
The debt is from 2016 and just now coming up. I also just filed bankruptcy and this debt was added right after filing. Obviously if this was really my debt I would of filed it under my bankruptcy. But it is not mine. Perfection Collection is trying to collect at least {$2600.00} for a XXXX XXXX XXXX company. 
I know the legal process to even put this on my credit report was not followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised and the aftermath of this is the following unauthorized accounts inwhich is reporting on my credit file needs to be blocked and removed immediately unless the major reporting credit bureaus could provide me with physical documentation, id and signature of mines in relations to this unauthorized fraudulent accounts. Please remove the following accounts.

1 ) XXXX/ XXXX XXXX 2 ) US Dept of Education {$3100.00} 3 ) US Dept of Education {$1700.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-05-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX received email from Lowe’s Synchrony Bank  stating my payment was late. I phoned them because I had made my recent payment in store. In the phone conversation it was discovered I had been told the wrong amount. I noted that my available balance was off and was told that my limit had been decreased. Prior to this confusion over the payment, my payment history with them has been excellent. The agent stated that they had pulled my report on XX/XX/XXXX of this year and based on that report they lowered my limit on XX/XX/XXXX The information was outdated and erroneous. The one reason given listed was present when I opened the card in XX/XX/XXXX. I disputed an unauthorized inquiry from Wal-Mart synchrony bank and feel this is tied to that.

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 2017-04-25
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: Account status incorrect

Complaint:
My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave 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