BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian claims they are unable to read the dispute I submission through the CFPB portal, complaint, ID number XXXX so I am re-submitting the information

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 2023-06-18
Company: EQUIFAX, INC.
State: MS
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 had a boy friend who was living with me on and off since XXXX he ended up not being who I thought we was he has been opening accounts in my name since XXXX I was in aware until XXXX of XXXX when everything started to unfold he stole my car and wallet and my info trying to to escape when I found out about all the frauds acts he has been committing in my name I also found out that he was living under a stolen identity his name who he told he was.. was not accurate he was paying on some one the loans and credit cards in my name as of they belonged to him the fraud accounts be opened were XXXX XXXX in the amount of XXXX he opened XXXX XXXX XXXX XXXX in the amount of XXXX and XXXX both of XXXX XXXX cards are closed and he opened XXXX XXXX in the amount of XXXX $ there are also numerous inquires in addition to launch serving account being fraud the payment history is way off on different credit accounts which furthermore proves fraud attached will be my police report and in accurate credit reportings Thug had caused a dimise in my credit on XXXX Equifax and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead

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 2023-10-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am writing to express my extreme dissatisfaction and frustration with my recent experiences concerning my credit card account with American Express. I signed up for a 12-month 0 % APR promotion, but I have encountered numerous issues that have left me feeling deceived and mistreated.

1. **Interest Charges Despite 0 % APR** : I was shocked to see interest charges on my statements when I was supposed to enjoy 0 % APR for the first 12 months. When I inquired about this discrepancy, your representatives informed me that it was due to not paying the minimum balance. However, this is perplexing because no credit card obligates customers to pay a minimum balance during a 0 % APR introductory period. This promotion is designed to allow a year of interest-free payments. 

2. **Revocation of Initial Agreement** : To add to my frustration, when I began paying the minimum balance as suggested by your representatives, I was informed that my initial 0 % APR agreement had been revoked due to late payments. This was done without any prior communication, such as emails, letters, or notifications. This sudden change left me blindsided and with no knowledge of the agreement 's revocation. 

I believe that these actions represent misleading information and financial misconduct. It is extremely unfair to change the terms of an agreement without proper notice and then to charge interest retroactively. I have been a loyal customer, and I expected transparency and fairness from your institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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 pulled my consumer report and there was a charge off from XXXX XXXX. 

Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a Consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Starting XXXX XXXX I sent from XXXX to the IRS to take fiduciary over myself, but no response. I also sent it to the IRS on XXXX XXXX and there was no reponse. I then went to send my power of attorney paperwork in to the dealership and the finance company and there was no response from them as well. So on XXXX XXXX i sent a notice of rescission to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial institution, the consumer financial protection bureau, federal trade commission, and the Illinois attorney with no response at all regarding my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: MI
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:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX,. XXXX  on XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/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 furbish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have not authorized anyone to do credit check in my report and there have been about XXXX inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my 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 2023-06-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I brought a check from the irs of {$200000.00} on XX/XX/23 the banker told me that my money will be available on XX/XX/23 .But when I went home I had to add my sisters account so that I can transfer her some money. I dont see anything wrong with me transferring money to my sister .So when I got to the bank in the money cause I had to withdraw and make a cashiers check .While the block my account. I waited 2 hours .The bank unlawfully started questioning me .They said because of your age and the money of money and Im a XXXX XXXX. I know it was quick that I wanted to get the money but its mine money .They cleared the check with the IRS.Once the IRS cleared it thats why they made it available.The check is 100 % legit I called the IRS they said its already cleared .And today after a trip to the bank my account was overdrawn cause they reversed my check after I even withdrew from the cashier that afternoon.Navy Federal staff are practicing discrimination and unlawfully using their judgement instead of using the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NE
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 address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent.

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 2023-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, the consumer and the natural person, was denied credit by Bank of America when I applied for a new Auto loan {$120000.00}. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil lability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I was discriminated against by BANK OF AMERICA INC due to the response I received.

BANK OF AMERICA is in the violation of 15 U.S.code 1642.U.S.C 1681m and 12 cfr 1002 because I, the consumer made an application in good faith .but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and I received No benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BANK OF AMERICA

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 2023-02-10
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
this is the 3rd time informing you guys of Truist ways they have now closed my account because of fraud done on my account that I did not even have a bank card for, every transaction i had to transfer from one account to another until XX/XX/XXXX i transferred money and they made the account look as if i was able to withdraw from an account i never received a card for. Trust owes me over {$700.00} for allowing XXXX to take money out of my account where they refused ot dispute the transactions they owe me {$600.00} in claims for fraud done on my account in XXXX and XX/XX/2023 and they owe me for disputes that they never disputed such as XXXX, and other transactions ... they denied all three claims that where fraud, yet truist even had he incorrect claim amounts which shows they did not investigate this properly and they need to be audited by another dept because they have taken my money and showed they have need to refund my money ... .or they will face

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 2022-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Several years ago my mom and I took the money my son had received in bonds and checks from relatives to JPMorgan Chase to open an account for him. The bank representative told us we were opening up a regular savings account for a minor. It turns out he in fact opened a custodian account in my son 's name with my mom as custodian. None of this was disclosed to us. This would be ok but we discovered this when we received a notice that the account would suddenly start being charged {$25.00} fee per month. I went to change the account to avoid the monthly fee and was told it is a custodian account in my mom 's name. My mom XXXX XXXX  XX/XX/2021. I was given the run around with her death certificate, trust, etc. I started this inquiry to resolve the matter in XXXX ( fees started in XXXX ) and now am told I can only go to court to open a probate matter to get another custodian appointed. I have asked if I leave the funds in until he is XXXX XXXX XXXX, but they stop the fee, I would be ok with that reoslution. But they said they can't help me. Instead, they will continue assessing a $ XXXX fee and by the time my son is XXXX there will be no funds left. We never knew this would be a custodian account, they defrauded us probably to get some sort of reward or hit a metric as a bank representative. And now they have suddenly added a fee to the account. And we can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fraudulent debt is not mine. 

Harassing and very intimidating phone calls Aggressive in tone of voice on phone calls Identify theft- I did not give my social security or personal information to this company. They illegally obtained it

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 2023-06-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a forbearance and Im behind on my mortgage I cant afford to pay the total amount due Im not working Im only receiving unemployment for {$210.00} weekly my mortgages denied repayment plans and only offered me a short sale which I dont want

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 2023-06-18
Company: EQUIFAX, INC.
State: CA
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:
Equifax just dropped my credit score again by XXXX points again NO CHANGES WERE MADE TO MY CREDIT REPORT. AND IT WAS NOTED BY EQUIFAX THAT THERE WE NO CHANGES TO MY CREDIT REPORT. BUT EQUIFAX DROPPED MY SCORE ANOTHER XXXX POINTS. I THINK THIS IS ACT OF RETIALATION FOR ILLEGAL PRATICES THAT THEY ARE DOING. PLEASE INVESTIGATE EQUIFAX ASAP THEY ARE DOING ILLEGAL CREDIT REPORTING.

Company response to consumer: Closed with explanation