BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: LA
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 reporting credit act. The list of accounts has violated my federal consumer protection right to privacy and confidentiality under 15 usc 1681 Account name XXXX XXXX XXXX Account name. XXXX XXXX XXXX Account name XXXX XXXX asso 1614 Has violated my rights 15 usc 1681 section 602 states I have right to privacy.

15 usc 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish can account without my written instruction.

15 usc a ( 5 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than the records of convections of crime which antedates the report by more than 7 years 15 usc 1681-s2 a person shall not furnish my information relating 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 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Paid XX/XX/2023 statement ( XX/XX/2023 - XX/XX/2023 ) complete per the balance due ; payment was posted to the account on XX/XX/2023 for the full amount on the statement. 
XX/XX/2023, a valid charge was posted to the account in the amount of {$26.00}. 
XX/XX/2023 statement ( XX/XX/2023 - XX/XX/2023 received with an interest charge of {$2.00} on a balance of {$150.00} as of XX/XX/2023 XX/XX/2023, at XXXX EST and a twenty ( 20 ) minute duration. I was advised that the interest is from the {$36.00} charge that posted to the account on XX/XX/2023. It was clarified to the Bank of America representative that the account per the XX/XX/2023 statement was paid in full as of XX/XX/XXXX, response yes. Clarified again that I am being charged interest of {$2.00} on my XX/XX/2023 statement for the charge that posted to my account on XX/XX/2023, which is after the XX/XX/2023 statement parameters, response yes, I can be charged interest for that charge until it is paid in full. Bank of America can charge interest for the previous two-month statements if the charges are not paid in full. 
I advised that I did not agree with this policy and that I would not be paying the {$2.00} interest fee and would be filing a complaint with the Consumer Finacial Protection Bureau.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft and as a result fraudulent inquiries and charges have been made on my credit card accounts and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.

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 2022-08-28
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:
My wallet was stolen and my identity. A XXXX  card was open by someone else.

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: EQUIFAX, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : 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 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, and did not make the account responsible for CONTRACT CALLERS INC. It was originally reported to my credit report back in XX/XX/XXXX on all three credit reports. Once it appeared, I reached out to the company and they informed me that the debt was from an electrical company in Virginia during a time that I was living in XXXX  ( I still reside in XXXX. ) I have never opened in an account with the company and have resided in XXXX  since XXXX. I informed them that the account and debt was a result of identity theft. I have previously reported this as identity theft and it was removed however it is now reappearing and the business refuses to remove it from my name/social. I am requesting that the item be removed from my responsibility and blocked to correct my debt and credit report due to the account or debt not being opened or used by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : 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 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 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 non-monetary relief
Consumer complaint received 2022-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I WAS A VICTIM OF IDENTITY THEFT AND XXXX XXXX XXXX IS TRYING TO COLLECT ON A ACCOUNT THAT IS NOT MINE NOR CAN THEY PROVE IS MINE. THEY HAVE BEEN WARNED SEVERAL TIMES ABOUT THEIR DECEPTIVE PRACTICES IN TRYING TO COLLECT MONEY FROM ME XXXX XXXX. I DO NOT OWE XXXX XXXX  ANY MONEY NOR DO I OWE CAPITAL ONE ANY MONEY. CAPITAL ONE WAS NOTIFIED OF THE IDENTIY THEFT AND SENT AN FTC AFFIDAVIT FOR IDENTITY THEFT AND A POLICE REPORT. XXXX XXXX HAS APPARENTLY PURCHASED THE ALLEGED DEBT KNOWING FROMO CAPITAL ONE I WAS A VICTIM OF IDENTITY THEFT ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: CT
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 have acquired US SSN number in XXXXXXXX XXXX and following that, I contacted the credit bureau-s ( Experian, XXXX and XXXX ) to update my file with my SSN number in place instead of the previous TIN number, under which I was registered with these agencies. 

My address and personal details otherwise have not changed. 

I have got a considerable ( over 6+ years ) of credit history with XXXX XXXX and XXXX XXXX XXXX whom have updated my SSN number accordingly in their files, and has started to send my credit history to all the credit bureau-s according to their associates. 

However, up until today Experian still has not recorded any information in my credit reports from XXXX XXXX , even though that those lenders confirmed to me at least two times during my calls with their customer service representatives that they have been sharing all such information with the credit bureaus. They even sent a so-called " manual pull '' of my credit history to Experian to make sure that this is reflected in my credit report. 

I have sent three ( 3 ) letters to Experian to investigate this issue, and properly update my credit file with those information from the lenders above.

1, In the first time, they did not even send me a reply 2, the second time i sent a new letter dated on XX/XX/2022, for which they failed to comprehend the issue at all in their reply, as their response was immaterial to the issue that I had raised 3, the third time I sent another letter on XX/XX/2022, for which they responded they did not have enough information to honor my request even though that my personal information is stored under my Experian ID which was in the letter This whole situation is a disgrace, considering that the other 2 credit bureaus XXXX XXXX XXXX has got no problem updating my records properly. As of now, I have no FICO score since due to the thin credit report from Experian. Because of this I was denied for loans on multiple occasion due to " inadequate '' credit history.

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 2022-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hi- I have been a victim of a check-cashing fraud where my original XXXX XXXX  payable to one of my vendors was altered and cashed by Bank of America , remitting cash to a payee other than who was originally intended. This occurred in XX/XX/2021 with a value of {$33000.00}. I bank with XXXX, submitted an affidavit through their fraud department and was told the corresponding bank ( BoA ) has up to 120 days to respond to the fraud claim. This 120 days expired at the end of XXXX, Bank of America has not responded to XXXX and XXXX is telling me there is nothing they can do. I'm a small business and this is a significant amount of money. I've tried to escalate to XXXX Executive office and they claim to be at the mercy of a reply from BoA.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022 and XX/XX/2022 XXXX credit application inquiry. 
XX/XX/2022 Called Transunion and no help to remove unauthorized inquires

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 2022-07-02
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: Account status incorrect

Complaint:
In, XXXX through XXXX, I reported information to each 3 credit reporting bureaus for removing negative items, on my credit report along with any thing that had been there for sometime, i a asking the FTC to remove this information or have those reporting agencies to remove and update my information as it reflect my response too these agencies 1.5 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2022, I was making a purchase at XXXX XXXX in the amount of {$1500.00} and received an email asking us to recognize and confirm the purchase. That was done, but still they didn't approve it and said needed to call for verification. I did that, answered a myriad of questions and then they asked me to send them a copy of my drivers license for further verification, which I did. That still wasn't good enough, so they told me they were freezing my account and the only way to remove the restriction was to physically mail a copy of my drivers license AND my Social Security card. I told them I would NOT send a copy of the card, as that is only setting me up for identity fraud ... it would be pretty easy for someone to steal my identity having a copy of my actual card. That account has a reward balance of {$370.00} and since I could no longer use the card, I wanted to redeem the rewards I had earned. Due to the account restricted, I could not do it online like I normally do. So, I called them and asked them to send me my rewards. They said they would not, since the account is restricted and they need me to mail a copy of my social security card to remove the restriction. Once again, I explained why I would not do that. They already have my SS information, bank information, drivers license, etc... I have made multiple calls and spoke to various managers and supervisors and no one will help me. They could not show me anywhere in my agreement with them that rewards would be held on restricted accounts or held XXXX unless I provide them my Social Security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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 the following accounts have violated my rights per : 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 XX/XX/XXXX XXXX - {$190000.00} - opened XX/XX/XXXX, Last payment - XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX- {$32000.00} - opened XX/XX/XXXX, Last payment- XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXXXXXX XXXX - Dispute inconsistent dates with other bureaus. 

XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) - Dispute inconsistent dates with other bureaus.

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 2022-12-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank Mortgage does not inform its customers about increases in the escrow amount. When your autopay 'underpays ' the new payment amount, they hit you with a {$70.00} late fee. They can not provide proper reporting online related to your escrow balance and analysis. The full monthly payment amount due on the mortgage does not update until a few days AFTER the actual payment is due. I always pay on time. I, nor any other customer, should be penalized for their antiquated system, inability to send electronic notifications and horrible reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: OneMain Finance Corporation
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I took out a loan with One Main Financial in XX/XX/XXXX. I purchased XXXX insurance as part of the loan through One Main Solutions. I became XXXX after taking out the loan. I filed a claim with One Main XXXX in XX/XX/XXXX providing them with a copy of my award letter from the Department XXXX XXXX XXXX showing 100 % unemployability. One Main XXXX advised that they could not cover the claim because of pre-existing conditions. I advised them that I had not received any information at the time of purchase or afterwards advising of these exclusions. I went back and forward with One Main XXXX from XXXX - XX/XX/XXXX. During this time my health declined and I picked up a new XXXX and applied for coverage under that XXXX. One Main XXXX continued to play with me by sending a notice that the doctor did not complete the form fully. I do not understand why One Main XXXX would not have followed up with the doctor directly for the missing information as the XXXX form it requests the doctor 's telephone, fax, and email address. This was a way for One Main XXXX to continue to avoid paying the claim. One Main Financial and One Main XXXX  worked together to charge off my account which in return canceled my XXXX insurance with XXXX XXXX Solutions so when they did approve the claim they would not have to pay future claims. My vehicle ended up being repossessed right before XXXX approved the XXXX claim. In addition, XXXX advised me that I would have to pay the full balance due on the loan to recover my vehicle since it was in charge-off status which caused me to file for bankruptcy protection to recover the car. In Maryland, I should have been able to recover the car by just paying the past-due balance and repo. fees. XXXX sent me a letter dated XX/XX/XXXX advising that there was a refund due to canceled insurance however the credit does not show on my account. They never applied the credit for the refund.

Company response to consumer: Closed with monetary relief