BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
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:
Good Evening, On XX/XX/2021 a check for XXXX was applied to my credit card. I became aware of this on XX/XX/2021 and I immediately contacted my bank and filed a claim. Unfortunately, the agent that I spoke with created two cases, one with an account number ending in XXXX which is not my account number and another for a total of XXXX ending in XXXX. As of XX/XX/2021 both cases were closed and I was left with a bill for XXXX and Bank of America provided me with no proof as to who could've committed this crime. They did however try to blame my husband who is the authorized user on my card. First of all, my husband would never write a check in order to receive money that we already have. Secondly, their is no way that he could've even done this due to the fact that we both work from home and he does n't drive, so I am his only means of transportation. Moreover after the denial from Bank of America I contacted XXXX and went ahead and filed a police report. XXXX was very helpful and provided me with guidance on how to move forward with filing my report. At this time, I am just waiting for Bank of America to re-review my case so that I can find out who actually did this. Furthermore, I did submit my police report to Bank of America along with a request for Identifying factors for the suspect. Lastly, this has been very troubling for me seeing as how this is my first time dealing with fraud in this way and to have your bank blame you is just so frustrating. 

Sincerely, XXXX XXXX XXXX XXXX CASE 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 monetary relief
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: IL
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 initially contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX in order to get this debt they are claiming I owed, validated. XXXX XXXX sent me back a letter simply stating that " the debt had been validated '' however none of the previously requested information was sent to me, copies of original bills/statements, payment history and reporting dates, method of verification, bonding agent info, and no wet ink signature from their company 's representative. Additionally the statement they sent me to " validate '' the debt had specific, detailed medical procedures which is obviously against the law and not in accordance with HIPAA privacy laws. On XX/XX/XXXX, I requested that they send me the original detailed bill from the creditor, signed HIPAA notices, contract between Regional recovery and the creditor, and anything that I signed releasing my medical information to them- to which they have still not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The interest rate that I am being charged is well above the industry standard and is causing me a great deal of financial strain and stress. The company is Santander Consumer USA , INC. In 2021, I spoke to these people about the outrageous interest rate charge, but they did not care and would repossess the vehicle if not paid. We had to pay because my husband needed his vehicle for work and it was a struggle every month. We were barely getting by and then my husband is now fighting XXXX and we notified them again about high interest rate and that the vehicle is for my husband to attend physician visits and more but every month the bill comes the balance of $ XXXX does not go down. With payments of {$880.00}, {$180.00} goes to the principle and {$690.00} goes to interest, we will never see it go down. We have so much to deal with regarding my husband 's illness and I am his wife, support system, caretaker, and handling all household duties, chores, and looking and writing for resources and I am about at a breaking point. This company is heartless and is quite ugly when they are on the phone. They agreed to give us 2 months break in our payments but said that will just be applied the end payment for XXXX and XXXX of this year but are not willing to extend anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXXnd I got a fake call from a Wells Fargo in Georgia saying that a XXXX XXXX is trying to do a wire transfer from my bank account. I said I didnt authorize this. They made me believe that this was Wells Fargo. The fraud alert they sent me was from a text now phone number. I was thinking that the wire transfer wasnt going to go through but it did. They got me for {$6300.00} and my bank is refusing to give me my money back. They asked for my password because they said my account was compromised but I swore that it was Wells Fargo. I filed a police report in XXXX XXXX and Georgia.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: MD
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2021-07-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ). 
I have already reported this to the 3 credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX TransUnion Consumer Solutions XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXXXXXX # XXXX XXXX 
Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 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 2021-03-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to Equifax ; XXXX XXXX XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NM
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.

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 2021-03-05
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Edmonds & Logue PC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Edmonds and logue pc removed all funds out of bank account with any notification of debt owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: Paramount Recovery Systems, L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified XXXX in regard to the paramount account resulting from identity theft since the beginning of XXXX. I previously filed a complaint with the consumer financial protection bureau against XXXX  and paramount recovery in which paramount stated that they have closed that fraudulent account and requested it to be removed. I am filing a new complaint because both transition are violating my rights under the fair credit reporting act. This account with the account # XXXX needs to be blocked and removed from my credit report. This is my last attempt before I file a lawsuit against XXXX to pay for all the financial damages this ongoing problem has caused. 


Due to FCRA 605B ( 15 U.S.C. 1681c-2 ) - Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

due to 15 U.S. Code 6802, 1681a, and 1681o - Me being the consumer has stated previously that this account is a result of identity theft therefore I was never given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. This account is in violations of both 15 U.S. Code 6802 and 1681a and it needs to be removed or because of 15 U.S Code 1681o I will have the right to sue for the financial damages that these violations have caused. 

Due to 15 USC 1681 section 604 A Section 2 : - It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Their investigation did not fix an error on your report

Complaint:
Where do I begin? On XX/XX/XXXX my XXXX score for XXXX was ( XXXX ) and my XXXX score via which I filed a complaint to have my credit card balance updated to reflect a higher score my account is now lowered from XXXX with additional creditors added since early XX/XX/XXXX! My ( debt to income ratio ) reflects 0 %. 
I noticed that in XXXX there was a remark stating that the " client chose to pursue a complaint after dispute resolution.. '' I have not received any feedback concerning XXXX 's final decision on my account. 
This seems quite bizarre that old accounts have been added to my account and while the account now reflects the whole credit amount of XXXX in credit why was my credit score " dropped? '' The credit report has been updated since XXXX with my secondary address in XXXX Texas so what was the need to add such information? 

XXXX continues to send me solicitation and just recently I received an email stating that my credit score has fallen. It gives me an email to open, recognizes my name but does not tell me the score. XXXX XXXX did not provide experian FICO score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Got automated messages on my place of employment and cellphone from XXXX about 2 collections that are against me, was given a reference number and to call XXXX. I called back and spoke to XXXX XXXX from XXXX XXXX that there is one account from 2006 that owes {$560.00} from HSBC, I do not recall that account. But they told my current address, which I have gotten no written notification about this account. Told her to provide written proof, was told her job was to communicate the information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX, IL XX/XX/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 2022-09-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting Act, Capital One : Account # XXXX, has violated my consumer rights. Last year XX/XX/2022, I filed a complaint with CFPB under complaint # XXXX, stating that Capital One has been misusing my information and reporting to the credit reporting agencies information that they were not allowed. They case was closed and nothing was done. I have filed an identity theft report on this matter as well under Report # XXXX. 

15 U.S. Code 1681 A- states that I have a right to privacy. 15 US Code 1681b subsection ( a ), also states a consumer reporting agency can't furnish an account without my written instructions. Under 15 US Code 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. Violation of TILA 15 US Code 1666 ( b ) Billing Error Violation of 15 US Code 1681 - Congressional findings and statement of purpose. If you are unable to provide me with a copy of the verifiable proof, that I was given an option to opt out and not forced to only opt in, in order to receive extension of credit, then you must update and/or remove the information. 15 US Code 6802 - Obligations with respect to disclosures of personal information. ( b ) Opt out ( 1 ) In general, a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that my information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy and what goes on my credit report. I have also filed an identity theft report with the FTC as well. Additionally, failure to respond satisfactorily with the null and void of this account will result in the above actions taken against your company in small claim state proceedings ; I will also be seeking monetary relief of ( {$1000.00} ) per violation for 1 ) Defamation of Character 2 ) Negligence infliction of Emotional Distress and 3 ) Violations of 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681.

Company response to consumer: Closed with explanation