BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, this account was sent to a collection agency for the amount of {$93.00}. This is not my debt. I wasn't aware of this debt until after I decided to see a new Dr .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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:
Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: AL
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:
Experian : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. Experian XXXX XX/XX/XXXX XXXX : 1. XXXX Bank. XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXXXX XXXX XX/XX/XXXX XXXX : 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX Bank XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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
Consumer complaint received 2017-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX I was to pay bills online using my online banking account with Bank of America. After logging in and before I was able to use any online banking functions I received a pop-up asking me to verify my personal data. I thought this indicated that someone was hacking into my account ... .asking me to verify my SSN, address, and whether or not I have dual citizenship! These questions are inappropriate and highly intrusive! I suspected a hacker and still do. I called the bank and they referred me to their compliance office, which I can contact after the holiday. 
I could not x out of this request and want verification that this request is from thebank and not from a hacker! Moreover, to ask whether I have dual citizenship is intrusive and inappropriate ... I suspect if this is not the request of a hacker it must have something to do with the regulations or repeal of regulations administered by our lousy XXXX. 
I will contact BOA 's compliance office this week and am in the meantime reporting this request to the XXXX for a response.

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 2022-12-09
Company: Experian Information Solutions 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:
15 usc 1681 section 602 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 a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-09
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Support payments decreased Husband  tells me when to spend support and how Cant make payments when others are managing my finances Beyond my control

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 2022-09-27
Company: AXOS FINANCIAL, INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On Friday, XX/XX/2022 I was working on a project that required a plug in tool to assist. I had been using a free version with so many calculations before it stopped and told you to pay for the tool. Since it was helping and I had several more calculations needed I decided to buy the tool for a month of service with the intent to cancel after my month of use. 

I click the link for the plugin and am taken to a website for sign up and payment. I click to subscribe, and it takes me to a payment screen. I verify the details and set up payment using my debit card. It processes and I'm taken to the next screen to begin my account set up - choosing a username and password. However no matter how many times I try I can not get it to work. I take a look at the submit button from XXXX 's inspect function and see it doesn't do anything. So then I look for a FAQ, chat bot or phone number ... Something to contact them for help. There's nothing listed. I search XXXX and the only thing I find is others that had signed up and never received anything either calling it fraud and a scam. 

I realize I should have not trusted it just because it was a direct link and tool from a trusted source, I also realize that I provided my details for a payment authorization ; however, when I called my bank Axos they told me there was nothing they could do and opened and closed a fraud case saying it was my responsibility to contact the company and cancel directly. This was after two direct phone calls where I told them over and over the same points : 1 ) I did not receive a service I paid for.

2 ) I am not able to cancel as there is no information for a phone number, physical address, chat bot or anything I can find when XXXX 3 ) Many others have shown this is fraud after the fact 4 ) It's a monthly subscription fee that I need flagged and declined I asked to speak to managers, I asked for more assistance. I couldn't understand how a blatant scam could be more protected by my bank than my funds and transactions. The guidance I was given in writing with my declined fraud claim was that I will need to cancel directly through them since I made the payment otherwise there is absolutely nothing my bank will do. No option to shut down the debit card number to stop further transactions l, no option to flag and decline all incoming transactions. 

How do any fraud claims get approved if this is the outcome in such an obvious scam. Yes, I made a mistake, but where are the protections in place to help me have peace of mind for my finances?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance to the fair credit reporting act conversion has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX 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 2022-07-31
Company: Experian Information Solutions Inc.
State: TX
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:
According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.

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 2022-07-31
Company: EQUIFAX, INC.
State: TX
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:
According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted a wriiten letter requesting on XX/XX/2022 to remove this item off of my credit report. XXXX XXXX loan and to no avail. It has been well over 30 days and there is no response.

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 2022-09-27
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: FIRST HORIZON BANK
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
{$350.00} over drawing around XX/XX/22 Originally the account was set up with the understanding NO over draft protection. When the bank representative asks the question we declined the service. The bank has changed names ( 3 ) times therefore I don't know if/ or what types of quarters they were under and making it affect the consumers. I tried to get the issues resolved in the bank unable to get the answers because either short staff, No manager, COVID, etc. Then when someone called inquiring about the account is when I found out the account was charged off. No one could ever say how the account became overdrawn when there is NO over draft protection on the account. This need to be corrected effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureau to do a verification and investigation of the validity of this debt and they said they did however I am claiming inaccuracies and false reporting. In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 Section 602 A. states a consumer reporting agency can not furnish an account without my written instructions - 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 2022-12-09
Company: Experian Information Solutions Inc.
State: IN
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many 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 be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-09
Company: Dave Operating, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My account was used by someone else to receive a cash advance for {$120.00}. XXXX took the money out of my bank account even though I never received the funds. This can be proven by my bank. I attempted to resolve this issue with the company but they told me I had to contact my bank. My bank didnt do anything wrong, and neither did I, so my bank is not responsible - the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: AVANTE
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:
When I called to inquire about the  XXXX    XXXX   debt fro m 2012 the indiv idual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Savings account opened. Monthly fee {$15.00}, waived if I have {$20000.00}. I deposited {$20000.00} within a matter of days after account opening, but still charged a fee. Very fraudulent marketing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: IA
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 # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 USC 1681 section 602 A I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief