BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America XXXX I am writing of an abuse from with in Bank Of America. BOA lost {>= $1,000,000} in a clase action suit for these practices and they are continuing. The case was Lisa Morris, et al. V. Bank of America , N.A . The case for fee timing practices. The fee timing practice has not stopped. I am a victim of fee timing by BOA. 

BOA is charging me {$150.00} in at unreasonably high interest rates for paying extra on my account due to an automatic payment that caused a double payment ( after previous problems with the BOA automatic payments caused late fees and interest that I should not have paid ). Bank Of America was immediately notified by phone call and in writing to reverse the double payment. Bank of America chose to withhold the reversal that was requested to gain unjust enrichment of absorbent interest for three months in bad faith.

This was not standard interest, it is a deceptive business practice.

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 2019-04-02
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I mailed out the letter to Equifax to dispute the chapter XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of Texas asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to Equifax and to XXXX. 
Equifax came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also XXXX has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX  and they have deleted it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My complaint is towards Coinbase where I previously had XXXX euro  stored with them in what I believed was a secure wallet. On XXXX.XXXX.2017 I tried to login to my account at XXXX ( a subsidiary of Coinbase ) which I accessed through XXXX ( the first link in the search ) and was instead taken to a phishing site XXXX, set up exactly the same way as the original site. I tried to login and after two failed login attempts using my XXXX protection codes I recieved two emails, one which stated my email account had been accessed from an unauthorized location, and another to say I had transferred the entirety of my account in the form of XXXX to an unknown address ( screenshots attached of both emails ). After this happened I obviously contacted the company via email to explain the situation, whereby I was reasonably promptly sent a generic reply saying they had blocked my account and asking me to complete a series of questions as a security review. I changed my passwords as suggested and was told I would recieve a reply within 5 days. In the meantime I did some research online and realised I was not the only person to fall victim to this fraud and that Coinbase had been  notified of this security breach as many as 11 days earlier via XXXX ( screenshot attached ) yet failed to do anything about it in order to ensure their customers were suitably protected. When I did recieve the reply a few days later, it was once again a generic response which somewhat predictably washed their hands of any wrongdoing and implied I would not be able to get my funds returned to me. After speaking to others who were scammed the same way and who have since seeked legal advice, Coinbase should be held liable for this breach of security and should refund their customers as they failed to act quickly enough to extinguish the threat. I hereby declare that I would like my original amount of XXXX euro refunded to my Coinbase account and my account unblocked as soon as possible or I too will be forced to take legal action against the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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:
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 Bank XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Bank XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a  ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2020 i paid {$690.00} to Portfolio Recovery Associates XXXX. I contacted them several weeks prior because i saw this account collection on my XXXX  report. I believed it to be an account I had with XXXX XXXX. When i had first called them I had brought that up and was not corrected. The account i paid for was for a XXXX card that went to collections, upon reviewing a dispute i filed through XXXX   It shows that this account in question was disputed and deleted on XX/XX/2020 - report number XXXX I paid on a debt that should not have been collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account # 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 XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( 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 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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SQUIRREL XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-02-02
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 information incorrect

Complaint:
I have filled a dispute in regards to the incorrect information on my credit report it has been well over 30 days and i have not received any investigation results.

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 2019-10-31
Company: EQUIFAX, 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've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDXXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.

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 2023-02-09
Company: Kikoff Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent validation letters and cease and desist letter company is non compliant after thirty business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
An incident that occurred before I even could receive my license when I was XXXX that was expunged when I turned XXXX keeps re appearing saying I dont have a license when I clearly had to get a license for it to be suspended!!! None of it is true information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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:
XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.

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 2019-10-31
Company: Convergent Resources, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I didn't apply for this loan 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 2019-10-31
Company: Experian Information Solutions 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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019

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 2022-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

623 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Account name XXXX Account numberXXXX Account type Auto Loan In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681

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 2019-04-02
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019 my wife, XXXX was doing me a favor of cashing my paycheck ( in the amount of {$600.00} ) at the BBVA Compass branch at XXXX XXXX XXXX in XXXX, Texas XXXX. The check was properly endorsed, had the bank account number listed on the back as well and my drivers license was sent as proof of identity. 
A teller at the XXXX XXXX by the name of XXXX ( she refused to provide me with her last name ) refused to cash the check. She indicated that my wife did not sign on the account. Upon speaking to this woman on the telephone, I indicated that there has never been any problem with these transactions at any of the other BBVA locations. My concern and what I want addressed, is why these rules and regulations are not followed fully and FAIRLY among all customers and at all branches. This matter borders on discrimination. I am filing this complaint in an effort to bring these problems to light and ask that your office investigate the validity of the banks rules on cashing checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX and experian has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give XXXX XXXX or experian my permission to report said account.nor was i notified that this account would be posted to my credit report.

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 2023-03-04
Company: EQUIFAX, INC.
State: CA
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX CARD XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation