BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I asked to have all non-holding inquires removed off my credit report due to the fact that I did n't not give my permission to have my credit report ran, I request to removed them and send me an updated report showing they have been removed, and a lot of the inquires are on the same day from a car lot that I have never been to or talk with anyone that works there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-09-01
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$4000.00}, {$700.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$1000.00}, {$3500.00}, {$100.00}, {$10000.00}, {$21000.00}, {$7500.00}, {$9000.00}, {$360.00}, {$3400.00}. 
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 and 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 ). 

- ACCOUNTS - 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

10XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

12XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

XXXX XXXX 14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$360.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2020-06-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX **Employment information : ( XXXX XXXX report ) _XXXX XXXX XXXX Hard inquiries : _XXXX XXXX XXXX XXXX  I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the 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 explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-02
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 belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from

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 2022-09-02
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from

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 2022-09-01
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by Columbia Debt Recovery LLC DBA Genesis ( P ) XXXX. I was informed that I was in debt collection for XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX from XXXX XXXX XXXX. Total debt including interest : {$14000.00}. 

I have never lived in Maryland, and this was a fraudulent account using my stolen driver 's licence and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2017-08-31
Company: CBCS, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX Approached by a debt collector in Nebraska about a bill, requested validation none sent. Reached out to XXXX XXXX XXXX to settle any old debts in good faith, paid all and was assured I had no more obligations to them. 


XX/XX/XXXX XXXX XXXX XXXX sent an account I do not owe to a debt collector who is now trying to force me to pay the debt. I have asked for validation from the debt collector which has not transpired according the Fair Credit Act. Amount is approximately {$1300.00} for a supposed bill from over 3 years ago Attached copies of accounts I settled, and validation letters I sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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

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 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, I received an alert on my phone from Bank of America that my account was overdrawn. I looked and noticed that there was a double payment to XXXX. I called XXXX first and stated there was a double payment. They stated they only had the one payment I put on my debit card a week prior. I called BOA to file a claim.I received a temporary refund of the amount plus they refunded the overdraft fee. The man stated he could see there was 2 identical charges in the amount of {$170.00} a week apart. This was an issue that XXXX did not tell me about, but they had only received the XXXX payment. We filed the claim, and the representative stated he was going to email the documents to download, sign and email back. I never received them. A week later I received the documents with no real information in the paper I was to submit. I ended up checking the box that referred to my situation, signed the bottom, and mailed it back in with the main page with had my account number and the total to be refunded. Two weeks later, I once again received the same documentation, I did the same exact thing. On XX/XX/XXXX, I received another alert that my account was overdrawn in the amount of XXXX. They had gone in and took the money out again. I called BOA, and they began arguing with me telling me that I did not send the paperwork back in. I ended up going to the local branch, they printed out the paperwork, I signed it, which it did not look anything like the papers they sent me. They told me that it would be back in my account in 3-5 days. It is now been 1 day shy of a month, they are still giving me the run around. I have had some of their representatives call me a liar, and they are rude. All I want is my money back. They have given me now 4 different time frames in which I should have my money back. They are saying XXXX has it, XXXX says they do not. I have been a customer of BOA for 9 years now. I feel they need to better serve their customers. They are now telling me that if they money can not be found, I may lose my money. I am a single parent with a special needs son, I have to count for every penny I make. I work hard, and BOA either does not care about their customers or they are thieves and do not know what happened to my money I have now fallen behind on several bills because they are playing around with other peoples money. Now I fear they are going to close my account before I can get all my information for my sons SSI switched over. I have read many complaints and I am seeing that they are closing peoples accounts when they become too " Irrational ''. I also see that someone went in and changed my monthly statement so it does not reflect the 2 charges that were taken out. I prefer paperless so if they chose to go in and change things they can and do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-08-31
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was astonished once I looked at my XXXX XXXX XXXX XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2011 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2022-09-02
Company: EQUIFAX, 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:
I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX XXXX app. 

After completion of this, nothing has been done on XXXX 's side after I filed a dispute with XXXX stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX  on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this reason.

Company response to consumer: Closed with explanation