BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: WA
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:
Hello Representatives of the CFPB : I have waited with no response - from the agency you had forwarded the original highly egregious issue with BNY MELON ( XXXX ) XXXX Savings Account card fraud. Nothing!!! No one has contacted or corresponded about the issue or any type of action! What is going on?? How can people trust any banking system if you can't even get help with an HSA card? I have the total numbers and dates recorded with the XXXX supervisor on exactly the dates and amounts which add up to : {$350.00} in fraud charges. BNY Melon and XXXX show zero fiduciary responsibility here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: PA
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:
Equifax is currently allowing the collection agency XXXX XXXX  to report a collection account on my credit file as an open RETAIL revolving account with a Late status and negative balance. 
Its not listed in collections its listed under other accounts. This is a collection agency that has no right to report a debt as an open revolving account. I disputed and contacted XXXX and they state to me that i must take the dispute up with the CRA reporting the account. This is incorrect reporting and should not be allowed by a collection agencies - its unlawul practices. also They are reporting this alleged collection account with a past due balance of {$110.00}. It is reporting that I pay as agreed for the following months XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, and XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX- how can a collection account report as current? It was Marked it as a collection account XX/XX/XXXX but then states that the date of 1st delinquency is XX/XX/XXXX? I never acknowledged this account nor have I given them a dime- this company has unlawful practices and EQUIFAX is reporting this account inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Information is missing that should be on the report

Complaint:
Experian Credit Reporting has Removed an Open Account as well the Inquiry from the company of the account ( XXXX  XXXX ) from my Credit Report. The Company has reported it Open as well as Credit Usage to Experian from 2022 to date. My Credit Report states that I have " 0 Open Accounts '' and " 0 Credit Usage. '' This is Fraud and a Violation of my Rights as a Consumer.

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 2023-07-18
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NJ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2021-12-12
Company: Merchants Acceptance Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The creditor is called Merchants Acceptance Corp . The collector XXXX XXXX XXXX gave me options by mail can not pay they already took me for judgment during me for {$2800.00}. Its over a XXXX XXXX I purchase 2018. I Did contact call the Merchants Acceptance CORP last year ask them if I can lower my payments when Covid hit so did the income. The guy was very rude and threatened me still had to pay same monthly payments. I tried to work with them I was paying. Then did got a job had to pay for other stuff rent food etc. I did get sick with XXXX took me over 3 months or more to get better. I have XXXX also. This is not right I am getting sued over a XXXX During the pandemic which I was willing to give the item back they refuse it or make lower payments. So I didnt bother with them had to focus more on my health and family during this pandemic time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: SYNCHRONY FINANCIAL
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:
On two separate occasions their were two hard inquiries placed on my credit. One in XX/XX/XXXX on the XX/XX/XXXX by syncb/walmrt and the other one on XX/XX/XXXX by XXXX XXXX both in 2019. It does not give me the amount it just shows as a hard inquiry.

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 2021-12-12
Company: John C. Heath, Attorney at Law, PLLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hired Lexington law to help fix definitive errors on my credit report n they just keep taking $ without permission or consent of any kind

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are third party XXXX XXXX on my credit report that do not belong to me and I did not authorize. This is a violation of the XXXX act. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

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 2019-09-20
Company: Midwest Recovery Systems
State: AL
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 received notification on my XXXX, XXXX, and XXXX   report that a Midwest Recovery  System or Midwest Recovery System, LLC had reported a collection on me in the amount of {$500.00}. I sent a certified letter asking for proof of the debt on XXXX XX/XX/2019. I sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX. It was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. It was marked return to sender XXXX XX/XX/2019. Since this time, the address and contact information on my credit report has either been changed or deleted. I called when the letter returned to my mailbox and asked that they provide a proper address for me to communicate with them. The person on the phone only tried to get my personal information. ( account numbers, email address, last four of my ssn, where I work, etc ) I did not use this company which they report on two credit reports as XXXX and on the other as 12 XXXX. I feel this is fraud. It has caused my credit score to drop significantly, and this appeared only after I had started doing so well with cleaning up my report. The letter that I was sending merely asked them to provide me proof of the debt so that I could make a sound decision on what steps to take next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
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: Information is missing that should be on the report

Complaint:
Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4 months now but nothing was helpful. Here is the situation : I opened my credit card  at XXXX XXXX in XXXX and after 6 months of opening it I started to see my FICO score ( which was reported from Experian ) on my XXXX XXXX profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX profile. After obtaining my ssn I also opened Experian, XXXX, and XXXX accounts to see my credit score. However, neither of those agencies have my XXXX XXXX credit card on my profile. They only have one credit card  from XXXX which was opened less than 6 months. Experian doesnt even show my credit score and says that I dont have one however I see my score on my XXXX XXXX profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling XXXX XXXX to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with XXXX XXXX and theres nothing they can do.

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 2021-11-11
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: Prizm Financial Company, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I currently have an open auto loan with Prizm Financial XXXX XXXX XXXX which unfortunately is overdue, as a result of hardship. I receive regular communication regarding my account via email through different team members in the collections department. More recently, Ive received several emails from XXXX XXXX that can only be described as harassment and antagonistic in nature. By the very definition, XXXX communication tactics are verbally abusive. As I found the weight of behavior becoming too much bear, regardless of debt being owed or not, I exercised my rights, outlined under the Fair Credit Reporting Act, and asked XXXX XXXX to cease all contact with me, as there are other representatives who can communicate with me concerning my account. Even after 2 attempts, clearly outlining my request for her to no longer contact me, she continued to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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/XXXX i sent off an investigation to the credit bureaus to check every piece of information on my account. I told them to investigate everything on my credit report & make sure everything was 100 % accurate, however they didn't do an improper investigation according to 15 USC 1681 603 ( 3 ) ( E ) On XX/XX/XXXX I also told them how did you investigate if everything wasn't 100 % accurate, its still not 100 % accurate this is still incorrect XXXX XXXX XXXX XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX I sent off certified letter with a final request that they remove these accounts because they still aren't correct. They have violated many of my rights according to the law. THIS is my tracking # XXXX Tracking # XXXX Tracking # XXXX 15 USC 1681 603 ( 3 ) ( E ) states The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. states I have the right to privacy According to 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 According to : 15 U.S.C. 1681 s-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 2021-12-12
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:
The Consumer Credit Reporting Bureau is Experian, I requested my credit report and have disputed several items in the report ; there are several accounts that are closed and should be removed. There are two of the companies that have demonstrated unlawful practices ( XXXX & XXXX ), and law suits have been filed against both companies. A School Closure for Discharge was submitted for XXXX University of the XXXX XXXX XXXX XXXX as the school closed, as I had to take two science classes at a community college to complete my BA diploma/certificate requirements as XXXX lost XXXX XXXX and it closed, while I was taking the science classes for their BA program. Both, XXXX & XXXX accounts should be closed and removed. XXXXXXXX XXXX XXXX should be removed as it with XXXX XXXX. 

XXXX XXXX  is the financing institution for the following credit accounts : XXXX XXXX XXXX, XXXX XXXX XXXX. that were closed because these companies no longer serve as brick & mortar stores. The XXXX XXXX account shows late, I have never been late on this account. In addition, to several other accounts on my credit report that should be removed as they are paid and reflect closed. These accounts should be removed from my credit report as they are closed and a few I never used. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

Other Credit Accounts paid and closed : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A total of XXXX accounts should be removed from the Credit report. I would like to have my credit report reflect a positive report as I work hard to maintain a good report, and currently that is not demonstrated by Experian and other consumer reporting bureaus. I have also filed a complaint to have Experian investigated by the Office of the Attorney General for a Public Inquiry as many of the agencies appear to demonstrate race inequities towards people of color as profiling.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: DE
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 took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer. -15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercises their grave responsibility with fairness, impartiality and respect for my right to privacy -15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. Here are the errors as follows : XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX XXXXINQUIRY- XXXX  XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX  DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY : XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX 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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/2020 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 2023-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation