BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: NY
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 have phone records of me speaking with these credit bureaus and regards to my information being submitted being stolen being mishandled being sold off without my consent they're allowing these consumers and you reporting agencies to just give information and they're not doing their due diligence at all on XXXX there is a report submitted with documentation but now just the same reported agency is closing an account State and that they don't have information what type of XXXX is that if you go back to XXXX it's just an add-on to the extra XXXX  that I'm finding out that you're doing XXXX XXXX the same thing I give the last numbers of my Social Security and they tell me I live in XXXX  I live in XXXX XXXX XXXX I've never lived in XXXX  but however they got that on my credit report this is insane so what's going to happen now as I'm going to put y'all on notice I'm going to follow lawsuit first of all you have an agent talking to me about my credit information and didn't give me in violent information on my credit report and fell to fix it so I'm just giving notice I'm tired of dealing with you all in this crazy mess all that stuff that's inaccurate on my credit report needs to be removed if they don't contact you within the 15 days it's not my fault got handling me for my business and this is slander you got credit bureaus looking at stuff that's in accurate on my information and I'm telling you this and it's hindering me from my business so y'all slandering me once again

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 2022-04-17
Company: Experian Information Solutions Inc.
State: GA
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, 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. 


XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX. 
Account number XXXX Account name XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My mail was sent to a family members house and my card wasn't with my mail

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 2020-12-03
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX County Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Not my accounts

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 2020-12-07
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:
There are numerous accounts listed on my report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am having problems with Bank of America they have being holding my money related for the 2 tranfers for almost 1 month in different occasions. First time in XX/XX/2020 they hold my money for almost 3 weeks the time that they received the money to be transferred to my personal account in the USA. The second time was in XX/XX/2020 and right now as i am righting this complain they still have my money going for the 2 weeks in their possession.I have to canceled the 2 transfers from XXXX to USA and the Bank of America which is the intermediary bank not for my choice, and they arei not being efficient in delivery their services with competence. International wire transfers don't take more then 3 days, and please don't give the excuse this is because to Covid 19. the 2 times that i sent money to XXXX XXXX didn't take more then 2 days but the opposite back to USA is being a huge headache. This is not right what Bank of America is doing to me. I am going to lose the opportunity of buying a little apartment in XXXX due too Bank of America inefficiency of provide a professional service. Basically one month holding my money in the 2 canceled transaction in XXXX and XX/XX/2020. The owner of the apt do not want to continue the business and i am losing the apt due to Bank of America delays. it is very frustrating all of this experience. I traced and put an investigation from the sender bank and the 2 times Bank of America was the intermediary Bank involved unfortunately. Bank of America is very incompetent in what they are supposed to do, transfer the money back to my account. I wouldn't be forgiven by Bank of America if this money was to pay a bill to them. They would punish me with a huge high interest. I never will forgive the bank of America for all of my frustration due to their bad service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My credit score was XXXX I was told I was pre-approved for a XXXX  XXXX XXXX XXXX And if I applied my credit score wouldn't be affected. I was denied by XXXX XXXX and immediately my credit score was effect. My credit score drop down once I was denied. It even reflect on my credit score which I been trying to dispute with credit karma and still no resolution. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : XXXX XXXX, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted repeatedly by MediCredit by phone over the last three months, starting first on XX/XX/XXXX, regarding a bill from XXXX XXXX in XXXX, Missouri. Upon the first phone contact, I requested a debt validation letter be sent to my address on file, which was agreed to by the associate. I have still not received any debt validation letter. 

During a 3-way call that took place on XX/XX/XXXX between myself, MediCredit and my insurer, XXXX, we determined that the bill in question had already been paid by XXXX at the contracted rate between XXXX and XXXX, and that no further collections action could legally be taken by XXXX. XXXX had attempted to increase the amount owed to them by me by classing my visit as out-of-network, but XXXX had classed the reason for my ER visit as a legitimate medical emergency, and paid the rate contracted to XXXX as an in-network hospital for services rendered. Thus, XXXX erred in sending any bill to MediCredit for collections activity, and MediCredit had no standing to continue collection efforts. It was agreed on this call, which was recorded by both myself and by XXXX 's representative on my request as well as by MediCredit per their policy, that collection efforts would cease until a letter could be sent to XXXX by MediCredit confirming the amount owed, and that XXXX would take over and finalize the negotiated amount paid by insurance. 

However, since then, I have continued to receive multiple calls from MediCredit regarding this bill, and no letter has been delivered to XXXX ( confirmed XX/XX/XXXX by a XXXX billing representative ) or to my home address. I believe these continued collection efforts constitute a violation of the Fair Debt Collection Practices Act, and intend to pursue legal action if MediCredit does not make good on its word to settle this through 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 2019-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I spoke with Bank of America on XX/XX/XXXX. There was {$1500.00} in unauthorized transactions done from various online businesses. I told them to cancel the card and these transactions were never allowed. 

They credited me back this amount. Now today I receive a letter in the mail that says they are retracting on what they said. They are removing the credit, going to take {$1500.00} out of my account which I don't have and they even allowed one of the transactions to be posted to my account again! 

They charged my account on XX/XX/XXXX from XXXX one of the charges I challenged and said was never authorized for {$27.00}, then they charged me an overcharge fee of {$35.00} to boot! 

This is so illegal, fraudulent and they should be sued for deceptive business practices. 

Also I tried to make a deposit in the amount of {$750.00} written out in a check. Bank of America rejected the check. The check didn't bounce. There were funds in the other account as this was my account. This then caused me to be over drafted several times resulting in another {$210.00} in charge fees.

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 2018-08-31
Company: Exeter Finance Corp.
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:
An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Pursuant to Ally v, Alberta Haskins ended in a settlement due to same conduct of unfair debt collections practices pursuant to 1016.3 ( b ) ( 1 ) ( 2 ) ( i ) ( A ) ( B ) ( C ) ( D ) ( E ) ( F ) Ally Financial DBA Ally Bank Never used a clear and conspicuous notice Refused to send documentary evidence and validation and still repo a vehicle that was never in there possession i sent them, a UCC 11 Lien search and they never produce a valid lien Pursuant to 15 USC 44 and 31 USC 3733 ( l ) ( 5 ) XXXX XXXX XXXX XXXX is the only party on contract as Seller and Creditor They went Bankrupt and ally is trying to enforce a contract that doesn't exist Allegation ( s ) : Ally Financials repossession notices handed out to their banking clients did not meet the laws standards. Pursuant UCC 9 the promissory note was legal tender an acceptable form a payment through my signature that the original creditor was paid i never received an acknowledgement if a UCC was files im requesting the ally financial to provide the note and documentary evidence AFFIDAVIT OF XXXX XXXX ENCLOSED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NV
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 accounst below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has violated my rights. 



XXXX  XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX & XXXX 15 U.S.C . 1681 section 602 A. States : I have the right to my 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 items of information other than records of conivctions 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 resonable cause to believe that the information is accurate.

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 2023-08-10
Company: CAINE & WEINER COMPANY, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.

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 2021-11-03
Company: BARCLAYS BANK DELAWARE
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BARCLAYSBK Account Number : XXXX This is 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 2017-12-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( 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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

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