BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a collection on my report that is inaccurate. This collection is from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Please find the attached document supporting this issue. I had a credit card that ended up with Bank of America in the end, it was with someone originally. This was in XXXX. Fast forward to XXXX, I received a 1099 C 12 years later. I called B of A and they told me that the last payment I made was in XX/XX/XXXX. They also stated tha the file was closed on XX/XX/XXXX. I wrote a letter asking not to amend the 1099 C but to rescind it under the Internal Revenue Bulletin 2016-48 T.D. 9793. That document is attached and from the IRS web site. 
It has the old rules which are that there was a 3 year rule that the 1099 C were to be issued 36 months after the last payment. The new rules which I believe they are using eliminated the 36 month last payment rule in the IRS bulletin. Please see the attached ruling has the old and the new rule. Someone at B of A that sent the letter was not versed in this complicated issue. 
I under the old rules I should have received that 1099 C years ago not 12 years later and the company using new rules. It is hard to be up to date on old rules but this is what my particular situation. I have done my research. Had I got the 1099 C back when I was suppose to I could have excluded this from my income base and the fact the the IRS allows and exclusion based on insolvency. I was at that 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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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 items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I was a victim of the XXXX data breach. I want these items Deleted from my credit reports. As you can see,. because I was a victim of this data breach.

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 2023-10-21
Company: EQUIFAX, INC.
State: FL
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Basically, B of A closed my without any prior notice. I had a direct deposit of XXXX deposited into my account the following day. I was unable to withdraw the money and I was put into a financial hardship which caused me to be almost be evicted from my home. I called to no avail to try to explain my situation. It went upon XXXX XXXX. I want to see what legal avenues I have.

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 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 bill statement, I had a balance of {$8000.00}. I had paid {$240.00} on the XXXX of XXXX and {$7800.00} on the XXXX of XXXX. I thought I had paid off the credit card to a XXXX balance. Bank of America had charged me additional fee of {$130.00}. I had paid my balance by the due date and I should not receive any fees. I had also paid off four other credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, but only Bank of America had charged me a fee after paying of the account statement. I am writing this as a complaint and also want {$130.00} which I had to pay on XX/XX/XXXX returned. No consumer should have a fee or another bill once the previous statement is paid off to zero. If the goal is the paid off your obligation aka credit card, one should not expect another after paying off {$8000.00}.

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 2023-02-23
Company: CORELOGIC INC
State: IA
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:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car financed by Wells Fargo Auto since XX/XX/XXXX. Unfortunately in XX/XX/XXXX I was involved in a car accident, I WAS NOT THE PARTY AT FAULT, and my vehicle was declared total lost. At that point the insurance company contacted Wells Fargo to get payoff amount and was working on sending the check. I contacted Wells Fargo the first week of XXXX because the status of the account was frozen and it wasnt letting me pay my monthly payment online. I was told by the agent that I had to wait until the settlement check was cleared in order to make further payments if needed. Check cleared on XX/XX/XXXX for a total of XXXX, leaving a balance of XXXX I submitted the next payment in XXXX, and now they are reporting on my credit that I did not submit a payment for XXXX. First of all, I did try and I didnt have the option online or over the phone due to the status they out after behind notified of the accident. Second, when I called the representative told me to wait for the check from insurance company. Third, they did receive the check in XXXX. So I would like to know how come they do not have all these phone conversations on record so they can confirm what the representative said, and why are they reporting the month of XX/XX/XXXX as NO PAYMENT on my credit score. I have never ever made a late payment before. So unethical, unprofessional and poor customer service.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I trust this message finds you well. I am writing to express serious concerns regarding the handling of my private information by Transunion, XXXX, and XXXX, in violation to the Fair Credit Reporting Act ( FCRA ). 

Under 15 USC 1681, it is mandated that consumer reporting agencies exercise their responsibilities with fairness and respect for consumers ' privacy. However, neither the financial institution ( as furnisher information ) nor the reporting agencies have obtained my written consent to furnish this information.

Moreover, I was not informed of my right to exercise the nondisclosure option as required by 15 USC 6802 ( b ) ( c ). The reported adverse item on my account is a direct violation of 15 USC 1681C ( a ) ( 5 ).

Transunion, XXXX, and XXXX  are also failing to adhere to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) by furnishing inaccurate information and not maintaining reasonable procedures, as outlined in 15 U.S. Code 1681e.

Per 12 CFR 1016.7, I am formally opting out of your reporting services.

I request prompt resolution of these issues to comply with the FCRA. Failure to address these concerns may lead to legal action.

Thank you for your swift attention.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: TN
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2015-05-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I am in the process of being defrauded by Paypal and XXXX bank. I signed on for a credit card with Paypal through XXXX ordering. My interest rate was reasonable low at the time. I believe it was in the teens. 
I ordered on it but got XXXX soon after. I was n't paying attention to my bill. I just charged and paid the payments. It was only when the payments escalated that I took notice. 
My statement showed that only XXXX dollars of almost XXXX dollars was going on the principalALL THE REST WAS INTEREST, I called Paypal and asked questions. I asked when was my interest increased that I was never given notice or I would have closed the account sooner. I WAS TOLD MY ACCOUNT WAS THE SAME ACCOUNT. I THEN CLOSED THE ACCOUNT AND SETUP A PAYMENT PLAN. I was to pay XXXX per month. I also on my own paid down XXXX to get the owed amount down much lower. I CALLED LATER AND TOLD PAYPAL THAT IHAD FOUND XXXX OF MY ORIGINAL STATEMENTS THAT SHOWED A DIFFERENT ACCOUNT AND THAT IS NEW ACCOUNT WAS NOT XXXX I SIGNED ON TO. 
They insisted that it was the same. 
About XXXX wks I started receiving calls with no person just a message to call GE. I did n't understand this because GE meant nothing to me. I did not say PAYPAL. 
I called and found out it was XXXX bank and they wanted XXXX dollars per month from me. I REFUSED. As this is a payment TOO LARGE FOR ME TO PAY. I AM A SENIOR WITH ONLY XXXX AND I CAN NOT PAY AN AMOUNT THAT LARGE AND LIVEI also think SYNCHRONY HAS NOT BILLED BE ACCURATELY. I THINK THAT THEY DID NOT PAY THE CORRECT AMOUNT TO MY BILL AS THEY CLAIM I ONLY PAID XXXX DOLLARS TO THE PRINCIPAL AFTER PAYING XXXX DOLLARS FOR OVER A YEAR. 
WHERE IS MY MONEY. WHERE IS THE XXXX DOLLARS PLUS XXXX PER MONTH. I also believe that XXXX NEVER ABIDED BY LOWER INTEREST RATE DURING TIME PERIOD. THE INTEREST CHARGED NEVER LOWERED. IT APPEARS THEY ARE HIGHER THAN EVER. EVEN WITH PAYING XXXX DOLLARS IN PAYMENT LAST YEARI can never pay this bill off. First of all I do n't feel I owe this amount. I believe I have been defrauded and am continuing to be harassed and defrauded even after trying to paY this fraudulent bill. I have cancelled all my future payment until this investigation is over. IT IS A WASTE OF MONEY AS LATE FEES AND MORE INTEREST ACCRUS TO CONSUME THE ENTIRE PAYMENT OF XXXX DOLLARS. THIS IS INSANE AS MUST STOP. 
I need all of my records to be produced and investigated. All paypal accounts. XXXX is buying up NUMEROUS COMPANIES and I believe that all manner of cross billing andfraudulent interest hikes are rampant. EVEN RIGHT NOW. PAYPAL IS CONTINUING TO HARASS AND BILK CONSUMERS. 
Something must be done. Even the FBI called in as these accounts are being altered online. 
I NEED HELP NOW. 
Sincerely, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/VT XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States 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 USC 1681c. ( aX5 ) 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 ( AX ( 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. 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. NO WRIITEN INSTRUCTIONS, VIOLATED PRIVACY.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
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.

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 non-monetary relief
Consumer complaint received 2023-03-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On multiple occasions over the years of being a Wells Fargo customer, I have been charged overdraft fees on my account. I have only recently found out that I could be eligible to receive some of that money back.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 delete following items on my file. The items I need deleted are listed in the report. I am a victum to identity theft and I did not make this charge. I ask that these items to be deleted to correct my credit report. I reported the theft of my identity to Federal Trade Commission and I also enclosed copies of Federal Trades Commision Theft Affidavit. Please delete the items as soon as possible

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