BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX {$75.00} XXXX  XXXX - {$140.00} XXXX  XXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 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 of 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 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had my bank of America, prepaid debit card stolen, along with all my personal effects, on or around XXXX 2020.My identity was stolen and used to steal money, from my account.i contacted bank of America and they froze my account.at that time I was going thru a major hardship, going out of business, but when they froze my account, it put me into official homelessness, I also had a psychotic x-girlfriend and her minions apparently whent on a spree for over a year, somehow using my personal information to drain me .I lost everything and struggled to survive day by day, by the time I was able to get myself on my feet, and even think of anything normal again I checked into my account and saw many thousands were spent so I made a claim with bank of America, and they denied my claim, so I persisted and showed evidence on my behalf and they then saw it in my favor, I was sent approximately XXXX XXXX.a few months passed and I checked on my accountant they told me I had to file another claim to get reimbursed, idid, I was denied again.so I persisted more and they saw the claim in my favor, I was issued {>= $1,000,000}, .apparently my claim was broken into several different claims.i still have 3 more claims ( XXXX ) $  {$8200.00} ( XXXX ) {$8800.00} ( XXXX ) $ XXXX.im tired of getting denied when all these claims should have been resolved in my favor since the first one was turned over.? can you help me get bank of America to stop playing games and causing massive stress when I can't get reimbursed and I have go thru this unnecessary process of having to fight for my claim when the first claims were denied then seen in my favor they are all the same claim and I don't have the time or knowledge of how to deal with this confusing mess ... I need help can I please have you contact boa with a complaint... or will I have get a lawyer and sue.? I don't even want to cause problems but I'm sure they don't deal with homelessness and going hungry if I can't get a resolution I am expecting after my claims get reconsidered in my favor for good reason, I just want fair reimbursement, without having to fight for what has clearly been agreed upon by the bank and i. I have gotten no explanation for why they deny, but I don't need one I guess... I want my life back and my claim can get me back to a place I can live my life and not possibly die on the streets XXXX me thank you... Sincerely bank of America customer.

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 2023-02-23
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX there were two transactions out of account for XXXX as well as XXXX as a transfer to a 3rd party. I contacted chime to let them know said party was NOT intended recipient. Chime Representative stated that I should request money back from recipient in which I dont know the recipient nor do I use the pay friends gesture and havent since XXXX of XXXX. Also received text confirming if I attempted to send XXXX XXXX and I declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
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:
My Credentials Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off or not added properly I Contacted The Creditors & they all say call credit Bureaus & Now Im Taking These Steps Of Filing Reports With Copies Of all documents I receive before getting attorneys involved I submitted not once but twice letters to the experian, XXXX, XXXX address i have on file from XXXX & no reply This time i will be sending letters with tracking information to the same address Looking foward to your response

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My claim was denied for an amount over XXXX. I didnt receive any reason. The claim was refiled in XX/XX/XXXX. I have called XXXX times and asked them whats taking so long. I escalated the dispute and as on XX/XX/XXXX I still have not yet received a provisional credit or resolution. 

The last person I spoke to in XX/XX/XXXX told me the bank offers a provisional credit at the discrepancy of the bank. I was not issuers XXXX. I asked why the investigation was taking so long and its been well over the time limits of 45 days. The supervisor told me my case went to special teams and there is no time limit for investigation.

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 2021-03-08
Company: American Collections Enterprise, Inc.
State: MD
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:
this information has been previously disputed and i have not had any resolve to the following inaccaurtae and illegal accounts being reported to my profile. These accounts can not be legally verified by a natural person, and so must be deleted or face civil liability by rights of 15 usc 1692k in the amount of XXXX for each violation that is found. Delete these accounts, and advise the three credit bureaus XXXX XXXX, and XXXX, that they are also in violation by reporting this information, and can also be found liable, the same as the third party debt collector. This is false and deceptive information, as I am The Original Creditor. Removes these accounts. 

XXXX AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$100.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$100.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$30.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$940.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$28.00} Needs Attention AMERICAN COLLECTIONS Reported : XXXX XXXX, XXXX + {$120.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$920.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$940.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXX XXXX XXXX XXXX The following information is also inaccurate and needs to be deleted in order for me to receive proper and accurate information/response being sent to me or information that is possibly being reviewed. 


XXXX inaccurate information ****** XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX ADDRESSES REPORTED o XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX *******XXXX inaccurate information ****** XXXX XXXX XXXX XXXX P XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD 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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I made my payment on my credit card to XXXX aka the XXXX XXXX XXXX, and it was purposely held until after they reported it to the credit bureaus, dropping my credit score. I made the payment on the XX/XX/XXXX and the held it until after they reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
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:
Several inquiries were made in my name on all 3 credit bureaus beginning XX/XX/2023. An XXXX XXXX XXXX XXXX was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number XXXX had listed for me since it belonged to the thief and not me. I activated a security freeze on my XXXX and XXXX accounts so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 {$780.00} To whom it may concern, Subject : HIPPA Authorization RE : Arcadia recovery bureau , llc I didn't not sign any HIPPA release form or give authorized Access to Arcadia recovery bureau to access my medical records in any way, this is an HIPPA violation. please provide affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCP, HIPAA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX account number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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 XXXX  Account # XXXX XXXX XXXX Account # 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 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 2018-12-27
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This SCA collections is damaging my credit by attempting to collect a fraudulent debt. I have never heard of this company or the medical office they are supposedly representing.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXXXXXX XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

XXXX is a financial entity acting as an extension of a government entity.

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 2023-02-23
Company: Experian Information Solutions 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:
In my filing of CFPB Complaint XXXX it was not asking Experian to validate the debt with the furnisher but in fact it was challenge for Experian to confirm current reporting of the account ( s ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations for Credit Reporting Agencies who use Metro 2 and Metro 4 formatting based on CDIA compliance and regulatory guidelines. 

Experian did not provide any of the items requested in the CHALLENGE and proves the reporting of the account below does not meet Federal and State Reporting Standards. The account that is being challenged is ; Account Name : XXXX XXXX XXXX  Account Number : XXXX As a Credit Reporting Agency ( CRA ) as stated by CDIA you are governed to follow compliance, law and data security regulations. 

This Account Challenge request is to confirm current reporting of the account ( s ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

The Fair Credit Reporting Act 15. U.S.C. $ 1681g states I have the right to demand that you disclose the following to me ; ( 1 ) All information in the consumer 's file at the time of the request, ( including all documents you have recorded or retained in my file at the time of this request ) ( 2 ) The sources of the information ; ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report If you can not provide me with requested information for the challenged account then based on FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) Treatment of Inaccurate, Incomplete or Unverifiable Information, you must promptly delete that item of information from my credit file.

If this account is found to be in direct violation of CDIA guidelines that Credit Reporting Agencies are governed to following being compliance, law and data security regulations based on Federal And State Laws and Reporting standard, please govern yourself accordingly and remove the account listed below promptly from my credit file. 

PLEASE PROVIDE PHYSICAL PROOF OF ACCOUNT VERIFICATION Please provide me with an updated credit report VIA MAIL within 30 Days of receiving this challenge request. 

In addition, please provide me proof that you contacted the ORIGINAL CREDITOR OF THIS ACCOUNT within 5 business days of receiving this challenged account request where you advised them to verify it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
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:
I am not swayed that the bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}

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 2023-12-01
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief