BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
these reportings that do not belong to me are impacting my life negatively making day to day living impossible and making it hard for me to try to move forward in my life

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 2023-09-20
Company: EQUIFAX, INC.
State: MD
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX BANK XXXX XXXX - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$9000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} ; 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 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Brief : I was issued a check in my name from a project I completed in the amount of {$25000.00} even. 

I contacted Bank of America located on XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX # XXXX I informed this bank that I lease office space in the building next door, Ive been there for years. 

I requested that funds be made available for me to cash the check. 

I spoke with a manager and they stated would be able to accommodate.

When I arrived the next day with the check all forms of ID required XXXX XXXX. Lease documents proving my address etc. 

The XXXX manager brought check into back and then came out front and told me that they would not be able to cash the check and that I would have to contact the ppl that wrote the check to discuss. 

When I asked why she would not give me any answers as to why they could not cash the check. 

I contacted the check issuer and they verified check was good. 

I went to an another Bank of America ( XXXX XXXX XXXX XXXX and they cashed the check without problems without any weird discrepancies or difficulties other than the normal verification process. 

The bank in XXXX XXXX is discriminatory towards many because Ive had problems there before which Ill take to a district court on behalf of the people if it continues. 

XXXX time about a year or XXXX ago I put a check in my account at the XXXX XXXX and it was flagged for absolutely no reason other than Im from a different block and these preppy people discriminate against it. 

I wonder how many people they have done this to in the pastsht stops right now XXXX or Ill elevate it up the ranks dont ever judge a book by its cover. 

Im closing On the check in discussion, my Middle initial is typed XXXX. 
my IDs ( all forms of verification ) are spelled out. 
Even though it wasnt explained to me ( reason for not cashing ) I suspect it was the minor stipulation as to why it wasnt cashed.. 

which is wrong, discrimination because a human trained in the banking profession should be able to connect the dots and ( no pun intended ) but the XXXX punctuation after XXXX  stands for a abbreviation.so not cashing it because of that is wrong XXXX XXXX educate yourself. 

Again I was able to cash this check at another bank quickly without any problems. 

And Im going to continue to use this bank in XXXX XXXX and everytime they make a wrong move Imma bust them on it and then Ill build a case and class action you all for real no joke If you lie and say some weird stuff in response Imma get you on it Have a good day!

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 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a consumer XXXX XXXX. My privacy continues to be violated by CAPITAL ONE who is deemed a financial institution pursuant to the XXXX XXXX XXXX XXXX. CAPITAL ONE did not give me the disclosure to opt out of credit reporting which is optional for myself the consumer. CAPITAL ONE is reporting and communicating false debt that I do not owe to third party agencies. I have demanded that CAPITAL ONE cease reporting my private information immediately. I also demanded that CAPITAL ONE give documentary evidence of the alleged loan that CAPITAL ONE says they gave me. This demand includes all documents, papers, correspondence, books of accounts, and financial and corporate records from CAPITAL ONE. CAPITAL ONE refuses to give me the consumer how they gave me an alleged loan. CAPITAL ONE 'S actions are causing me significant harm and damages and financial hardship. CAPITAL ONE does not have consent to share my private information. I am not obligated to pay them this alleged debt as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.

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 2022-11-23
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have had an ongoing issue with Coinbase Inc. I reached out to them because I am blocked and can not access my own account. They admitted that there are unauthorized charges on my account, yet they refuse to do anything about it. The day I reached out was XX/XX/2022 so I could view the transactions for myself, and they won't even provide the information to me. I have {$13000.00} worth of unauthorized charges on my account. I can provide my bank statements with all of the charges if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to convey my DISSATISFACTION with your recent assertions regarding my accounts. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. These claims have cast a significant cloud over my financial status and have the potential to inflict substantial harm on my creditworthiness. It is crucial that we expediently and accurately resolve this situation to prevent further adverse consequences. XXXX XXXX XXXX. Please delete this account ASAP.

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 2022-11-23
Company: EQUIFAX, INC.
State: OR
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:
Investigation from XX/XX/2022 resulted in the deletions of multiple unauthorized inquiries ( referenced in picture attached ). Letters sent via mail ( most recent attached ) requesting the deletion for unauthorized inquiries receiving no response, from the bureau. Another request to investigate on the same matter sent XX/XX/2022 so far has also gone without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-21
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased goods from XXXX on XX/XX/2023 and it was supposed to deliver on same day. I was charged {$1500.00} on that day however I never receive any delivery from them. I did call US bank to dispute the charge however they registered it initially but later 30 days they reversed the provisional credit and told me send them the filled paperwork so they can continue with the case. I did wait for the paperwork to deliver but due to lost mail issue at my unit, my mails were kept missing and I conveyed my issue to US bank, they took all of the information over the phone call. After waiting for over 45 days to see if my case is resolved or not, I called US bank again and they told we closed the case because we didnt receive any paperwork, earlier they confirmed with me all information over the phone call. In last week of XXXX, they did send me paperwork again & I faxed them within 3 days. Again I called again to check the status of my claim, now they are refusing to talk anything about the dispute case and we cant do anything. I just lost {$1500.00} neither US bank helping nor 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 2022-12-29
Company: Mid-South Adjustment Co., Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe the VA money for my medications. The amount is incorrect. They usually take it out of my tax check. This is the first time this has happened. I'd like to know why I wasn't given a chance to pay this before it went to collections..? It has been a bad couple of months so I can't pay this amount right now. I guess it will just have to come out of my income tax return.I 'm behind on all my bills..I 'd like some time to pay this off if possible..ty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Old information reappears or never goes away

Complaint:
Address at XXXX XXXX & XXXX XXXX XXXX are old and should be removed. I live there bover 25 years ago.

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 2023-01-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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:
I am a natural person, i am a living human be

ing, I have right under 15 usc 1681. Equifax is govern by 15 usc 1681. And they violated my right numerous of times. I demand listed below to be removed because According to 15 usc 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Collection Agency XXXX XXXX Inquiries 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 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has moved dates of my transactions to other days putting my account into negative. As of Friday, XX/XX/XXXX, I received my job pay. Before XXXX, my account reached a negative balance of - {$110.00}. I called and was told accounting is done after XXXX. Not sure what that had to do with my account because any transaction I did showed my current balance. Saturday morning my account was adjusted ( positive status ) and I was able to put money in my account and use my debit card. By Monday ( XX/XX/XXXX ), my account was low but not negative in the morning. By Monday ( XX/XX/XXXX ) afternoon, my account was negative- {$190.00}, showing no debit or deposit transactions for Saturday ( XX/XX/XXXX ) and Sunday ( XX/XX/XXXX ). By Tuesday ( XX/XX/XXXX ) morning my account was still negative {$190.00}, BOA has NEVER let anything clear without money to cover it! I called customer service and was given the, sorry, theres nothing we can do. I called again, Wednesday morning ( XX/XX/XXXX ) and received the same message, accept this time saying they always do their accounting at XXXX, Mon - Friday?? But all my transactions are done during the day and any changes to my account BOA does was BEFORE XXXX. When I have looked at my account since Friday, XX/XX/XXXX - XX/XX/XXXX, BOA had changed my transactions processing dates again. For an example : I sent {$10.00} thru XXXX on Monday and BOA debit from my account and I have the XXXX receipt ( XX/XX/XXXX ), it now shows it was completed as of yesterday ( XX/XX/XXXX ) .This has happened along with other transactions that BOA sent me an email saying now I need to cover the {$190.00} Bank of America is double dipping by showing in my mobile app a transaction has taken place and then changed the date and then tell me to cover it in 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
Consumer complaint received 2023-02-15
Company: Trans-Fast Remittance LLC
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:
On XXXX XX/XX/2022 someone from XXXX XXXX XXXX used my details in order to apply for cellphone contract on my behalf On XXXX XX/XX/2022 I ask the guy from dealer shop to check for in my credit report if I qualify for car finance, the guy used my details and apply while I was not aware of it, when I check my credit report I have an enquiry Both XXXX XX/XX/2022 XXXX XXXX and XXXX

Company response to consumer: Untimely response