BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Nationwide Recovery Systems, Ltd
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states I have the righ to privacy 15 usc 1681 section 604 A section 2 : it's also states a consumer reporting agency can not furnish a account without my written instruction.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022, I paid and settled in full 6 collection accounts on all three of my credit reports, XXXX, XXXX, and Equifax. XXXX were reported within a week of settlement, XXXX notated as settled in full and XXXX completely removed. XXXX were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted XXXX via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with XXXX, XXXX with Equifax and XXXX with XXXX. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( XXXX ), and chat conversations due to error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: PENTAGON FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
XXXXXXXX XXXX still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the hospital. After I told them that my car was totaled. They were paid off

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company.

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : XXXX XXXX XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # 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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-07-03
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a lease with XXXX ( XXXX XXXX and they randomly charge my account for various amounts at any time they feel like doing so. They charged me XXXX on XX/XX/22 without any prior authorization from me. That isn't the scheduled amount I agreed to pay nor is it the day agreed upon for payment. I sent a text msg to XXXX on XX/XX/22 asking for the transaction to be canceled since its not authorized. They haven't responded. I called my bank to report the incident and a claim was opened. They then closed the dispute the next day stating no error had been made. Just because my card is on file doesn't give any merchant the right to access my funds on a whim. Chime bank refused to actually work this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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:
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 U.S.C 1681. 

Account : XXXX XXXX Account # XXXX open balance : {$710.00} Date openedXXXX Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : ( XXXX ) XXXX Account : XXXX  Account # XXXX Open balance : {$390.00} Date opened:XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX have 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 : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I provided someone my phone number on XX/XX/23 on XXXX and without authorization or approval, they took 3 payments of {$300.00} out of my checking account through Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
HARD INQUIRIES TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
I went to the dealership on XXXX XXXX and applied for a car loan from XXXX XXXX XXXX XXXX, and they stated they would be the only company to run my credit. However, I got a copy of my credit report and there are several inquiries from other companies that I did not authorize to check my credit report. I also did the same process on XXXX XXXX with XXXX XXXX XXXX to obtain a car loan, they stated only their company would check my credit and there were several companies that checked my credit resulting in several credit inquiries. I have tried to contact the companies and the credit bureau to have them removed but they refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a dual-witnessed, notarized XXXX XXXX XXXX XXXX XXXX XXXX XXXX POA ) that appoints me as Agent ( attorney-in-fact ) for my aunt ( the Principal ). There are no restrictions on the powers granted by the POA. 
Wells Fargo reviewed and accepted the POA, and I am listed as POA on the account. However, they refuse to allow me to add a beneficiary ( other than myself ) on the account, saying that the XXXX XXXX form does not explicitly allow managing beneficiaries ( though a section called " XXXX, trust and other beneficiary transactions '' says, " To ... assert any interest in and exercise any power over any ... property subject to fiduciary control. '' Without beneficiary, in the event of my aunt 's passing, the funds in the account will be tied up in probate and unavailable to use for funeral and other necessary expenses. The funds will be locked and remain as Wells Fargo assets, until such time they are released by probate.

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 2022-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
HARD INQUIRIES TO BE DELETED : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, 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 2022-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To All Concerned, I have been mistreated as a consumer in regard to the reporting of my car loan. I have been with Lexus Financial Services for years and have never missed a payment and I have never been late. In XXXX of 2022, I was recommended by a Lexus Financial Services representative to try their automated payments program, which would allow the payments to be extracted from my Business checking account via ACH. The initial payment for Toyotas automated payment program was done successfully on XXXX. 

This led me to believe that All was set. Yet, Unbeknownst to me, the payments thereafter were not collected, seemingly due to systems or tech error on Lexus Financial Service 's end. Lexus Financial Services never informed me that I was late in making any payments, nor that payments were not being automatically debited from my account. As soon as I discovered this on my own, I made the payments immediately. However, we were already 2 payments in, resulting in Lexus Financial Services reporting me as late on my credit for their error. 

I have pleaded with this company to remove the lates as they were apparently the result of a tech or systems issue or their administrative error in not properly handling my enrollment in their automatic payments program. 

I have Never been late on my car note and I have certainly been an excellent customer at Lexus Financial Services. But this has caused me and my family great stress and financial hardship to be unjustly reported as late on our credit as a result of their own error. 

Please help us, correct this horrible wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act US Dept of EDXXXX Account # XXXX and XXXX XXXX  Account # XXXX, had violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-12-03
Company: AVANTE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Several years ago I opened two custodial savings accounts for my each of my XXXX XXXXr children with Bank of America. I had small balances in each account ( $ XXXX ) for several years and no issues. Recently, Bank of America started to charge monthly maintenance fees on each account ( $ XXXX ). I called Bank of America 's customer service line and requested they reverse the fees because they were savings accounts for minors. The representative agreed and did so. Yet, Bank of America continued to charge the accounts with monthly maintenance fees. 

I called Bank of America customer service again, had the fees reversed and transferred the money out of the accounts to XXXX plans with another institution. I called Bank of America and asked it to close the accounts. I was told that I would have to visit a branch to close the accounts because they were accounts for minors. 

I visited the branch on XXXX in XXXX AZ and requested they close the accounts. I was told they could not do so because there was a negative balance on each account due to the monthly maintenance fee that was wrongly being charged to the account. I was told that I would have to call customer service to have the fees reversed and then return to the branch to close the accounts. 

It should be this hard to close two savings accounts for minors. Bank of America is taking advantage of consumers and must be held accountable.

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 2022-07-29
Company: EQUIFAX, INC.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: NV
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:
As I went over my credit report I seen errors with addresses, multiple variations of my name, and inquiries that needed correction and I called all 3 bureaus to see about fixing and updating my report. I found out a letter was needed so I wrote my letter a month ago and there haven't been any changes

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 2022-12-03
Company: General Motors Financial Company, 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:
In accordance with the fair credit Reporting act XXXX  account XXXX  XXXXXXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy..

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

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

Company response to consumer: Closed with explanation