BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-09-27
Company: EQUIFAX, INC.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name -Navy Federal Account Number - XXXX Account Name - Navy Federal Account Number - XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - Navy Federal Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX  Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account with First Bank was closed as I attempted to buy a used car for my son. When I sent the money to a friend of a friend by XXXX, it was flagged as fraud. This is fine, but what is not is the way I was treated when the bank called me to verify the transaction. The representative spoke with a mocking tone, and acted like a child. At one point, I said this isnt fraud and she replied uh huh it is. I became frustrated and she terminated the call. 

At this point, in retaliation, my account was closed. When I opened a new account, I was unable to set up my bills as usual, and received a letter stating that my ACH access was blocked. I called First Bank to dispute this last week, and again was spoken to like a child. In a mocking tone, the representative said they could not help me and laughed. 

I also was expecting my tax return at this time. First Bank said last week that they were mailing the check to me. When I followed up today, I was told that it was returned to the IRS. The representative again made jokes and laughed. Looking at their reviews, I can now see I am not the only customer with this issue. 

I spoke with the IRS today after First Bank and they do not know where my refund is. To help, they placed a " trace '' on my refund and are contacting First Bank to find where my refund disappeared to. 

I'm afraid that First Bank has stolen my refund, and I would like them to remove the ACH hold from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : XXXXXXXX XXXX  XXXX AND Midland Credit Management , Inc . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NC
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Thursday XX/XX/2023 my account was flagged for fraudulent eligibility my account has stayed opened for about 2 months and has been in good standing. My account was closed 24 hours after I received an approval for a credit card. When opening the account I offered to provide documentation to establish my late grandfathers affiliation to the XXXX XXXX and was told by phone rep that it was not needed. On the day of and day before XX/XX/2023 I received plenty of troubles with the digital banking app prompting me to sign in on both web and app using others devices. I have a weekly direct deposit being received to the account and since it wasnt immediately closed I dont have access to my funds as it was flagged the day of my direct deposit. This has been a frustrating experience and I want the discrimination against me due to others frauding them to stop. I am a young good customer who adds nothing but positive equity back into the business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to XXXX, TransUnion, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to XXXX, XXXX, and TransUnion, as well as, to the different servicers of my federal loans such as XXXX XXXX, XXXX, and XXXX. To date, the DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS.

DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act.

DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. 
DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
There is a recent hard inquiry ( XX/XX/23 ) on my credit report from Capital One that is fraudulent. I was the recent victim of identity theft and have been working to correct and undo the damage done to my credit. Capital Ones system will not allow me to speak to anyone without entering a card number and there is no corporate email. All the responses I ever get back are we aren't the correct department and direct me to a number that goes nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry 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 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 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 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 2023-02-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX/XXXX/2023 I sent in letters expressing some items that I am in disagreement with on my credit report. I kindly request that you guys fix the errors on my 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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I WAS SCAMMED XX/XX/ Heres my pitiful story. Our Bank America Credit Card wasnt working quite right, but we thought everything had been straightened out. Then I got a call from Bank America, with caller ID for them, asking if we knew XXXX... And had I sent her {$990.00} on XXXX. I said no and they gave me a long case number and two cancellation numbers then transferred me to the XXXX department. I gave the new person the info and he started having me put numbers into the search line, etc. explaining that this is the way they can block anyone from tampering with my XXXX account. I was so flustered trying to understand the XXXX guy who spoke with a heavy accent as so many companys customer service people do. I could barely keep up with writing numbers and typing them into XXXX. He explained that we needed to do it multiple times with different numbers but not to worry all would be cleared after we finished the process. On the fifth round of numbers I had enough time to see a notice on top of the XXXX page saying beware of a scam. They would never ask you to send XXXX to any numbers. I read that to him and at first he ignored it but then said he knew but he was doing what needed to be done. I said that I no longer trusted him but he said I could trust him because he had not asked for any personal info and if he were doing something bad he would hang up right away. He was so kind and patient repeating numbers for me. I got my credit card and called Bank of America on my cell. They had heavy call volume and I had a long wait to main line then another wait for the XXXX department. The scammer asked me what I was doing and I told him I was reporting him. Then the last transaction was denied because I had reached the limit for {$3500.00} in one day. But he wasnt bothered and said that was normal and he knew how to unlock that. He kept assuring me he was working it all out so I would see nothing was taken out of my account. I had stopped talking to him and had laid the phone beside me. He started yelling the instructions but by then the real XXXX department had connected and the scammer hung up. I was so upset. The agent was kind, took lots of info for the claim but said they rarely recover any XXXX losses though they are trying so hard. I was sick I had fallen for so much. 

The call from scammer came Bank of America on caller ID at XXXX at XXXX XXXX XXXX at XXXX XXXX at XXXX My call to real Bank XXXX XXXX XXXX at XXXX. 

The first 5 names and amounts are the frauds/scams. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 monetary relief
Consumer complaint received 2023-02-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights . Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Duvera Billing Services, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I went to get my brakes fixed at XXXX XXXX in XXXX XXXX. I was told my brakes would cost {$540.00} to complete and I couldnt drive off the lot without them done. I didnt have the money so they forwarded me to easy pay finance who I paid over {$900.00} to already and still owe {$340.00}. They are charging 189 % interest. I told them this is illegal and the representative didnt have anything to say and told me to have a nice day. I have been in contact with multiple calls to XXXX  XXXX and no one is getting back. Its the same man that answers when I call easy pay as well. Its a scam and I want my money back and to be out of their system. Thank you for the assistance.

Company response to consumer: Closed with explanation