BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX XXXX  has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: VA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, and XX/XX/2022 but the bureaus did not remove them. 

Sec. XXXX I have a right to privacy 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, and XX/XX/2022 but the bureaus did not remove them. 

Sec. XXXX I have a right to privacy 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 2022-12-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX 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 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 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 2022-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 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 explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
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:
After sending MULTIPLE complaints, there are still MULTIPLE FRAUDULENT items on my credit report. I hope they will be deleted IMMEDIATELY because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. XXXX XXXX XXXX XXXX # : XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  6. XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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 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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/023 I applied for an Auto Loan with Bank of America in which they denied me an extension of my credit for {$30000.00} for a Truck with 60 Month Term. This violates my rights as I am a consumer and natural person. This adverse action against a consumer is against the law according to the Equal Credit Opportunity act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 usc 1692k. You are subject to criminally liability for violating 15 USC 1691 as I have Proof that I was discriminated against by Bank of America due to the response I received. Bank of America is in violation of 15 USC 1642, USC 1681m and 12 Cfr 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit Card ) was used and I received No benefit. This is more proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of Bank of America. If Bank of America fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Bank of America criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

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 2023-05-25
Company: EQUIFAX, INC.
State: TN
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 WAS AT THE BANK LOOKING TO BUY A HOME WHEN THE BANKER LET ME KNOW THAT I HAD ACCOUNTS, ADDRESSES, AND NAMES ON MY CREDIT REPORT THAT WAS NOT MY DOING THESE ITEMS ARE HURTING ME FROM BUYING A NEW HOUSE FOR MY FAMILY AND STOPPING MY BUSINESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 2. Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXXXXXX XXXX XXXX 3 LATE PAYMENTS 5. Reported XXXX XXXX XXXX XXXX XXXX XXXX 6 LATE PAYMENTS 6. XXXX XXXXXXXX 1 LATE PAYMENT 7. Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$720.00} Hard Inquiries XXXX XXXXXXXX XXXX XXXX Inquire date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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 2023-07-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I tried to open two accounts with Truist Bank online. I funded two new accounts with {$1000.00} and {$7000.00} from my current checking bank account. I received a letter in the mail on Wednesday, XX/XX/2023, that my account needed to be closed due to fraud dated XX/XX/2023. The statement on the letter stated that I could go pick up checks for the funds in my account. 

" 4. If funds are remaining in the accounts, a check may be mailed to the address on file if not collected at the branch within ( 10 ) ten business days. '' I went on Saturday, XX/XX/XXXX, and Monday, XX/XX/XXXX, they refused to issue me a check and stated that my funds would be held until further notice. They mentioned something regarding a written off debt from Suntrust, which Truist aquired. Which I have no idea when that occurred with Suntrust. They stated they would subtract the written off debt from the funds I deposited. 

One, they never mentioned that in the letter and I have not had a Suntrust account for over 15 or 20 years or more.. I don't recall any debts being written off at this point 15 or 20 years or more. My funds came from my current checking account with my current back. I contacted my bank and they stated that Truist never contacted them to confirm if the fund were fraudulent or not. 

Truist was also involved in paying credit card bills, closing accounts, and releasing funds from my uncle XXXX XXXX XXXX 's individual account to XXXX XXXX, the estate XXXX, without having the proper documentations from the XXXX, VA XXXX XXXX. The estate administrator fraudulently used the accounts when it should have been frozen. She closed the accounts and collected funds she knew she was no allowed to without the proper documentations, while leaving the credit card balance in unpaid. Due to not doing their due diligence, Truist is accessory to fraud and embezzlement of estate assets.

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America XXXX an estate account for my uncle, XXXX XXXX XXXX 's estate and allowed funds to be embezzled from the estate. They did not check the probate documents for the estate in XXXX, XXXX XXXX XXXX XXXX the estate account and then when XXXX wires were wired into the estate account from an illegal sale of real property in Maryland XXXX she withdrew the funds, even though the court order stated she could not collect estate funds over {$25000.00} and needed original certificates to obtain the funds under {$25000.00}. Due to Bank of America 's failure to do their due diligence, the estate funds over {$700000.00}, were fraudulently embezzled, making them accessory to fraud and embezzlement.

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 2023-07-19
Company: BARCLAYS BANK DELAWARE
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:
Submitting docs. 
Paid old navy/Barclay 's bank on XX/XX/XXXX XXXX On XX/XX/2023 they finally found my money order however not after turning my life upside down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Company: EQUIFAX, INC.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: KS
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Velocity Portfolio Group
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
They opened. Credit card & loan illegally Also Someone illegally applied for unemployment under my name since XXXX this year 2022 I did filled a police report for it Thanks

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 2023-05-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX security is listed as a installment loan, it is not, this an alarm system that i never used, and ask this company to remove it, they would not, so i removed it, never used this system.This account has been sold, but know name who is the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: NCB Management Services Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
They opened. Credit card & loan illegally Also Someone illegally applied for unemployment under my name since XXXX this year 2022 I did filled a police report for it Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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