BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
n 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 a account without my written instructions. 

Account name XXXX XXXX XXXX Account number XXXX Original balance {$24000.00} Past due amount {$4800.00} Date opened XXXX XXXX, XXXX Needs to be removed Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1000.00} Past due amount {$1000.00} Needs to be removed Account name XXXX XXXX XXXX  XXXX Account number XXXX Balance {$1700.00} Date opened XX/XX/XXXX Needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX have utilized my information without proper consent. Reporting and selling my information to each other. Giving promises of credit. Hindering me from life, liberty, and the pursuit of happiness to live freely. Therefore the information which is being reported to my consumer credit profile is false. 15 USC 1681s - 2 states that a person must not provide information about a consumer to a CRA if they know or have reasonable cause to believe that the information is inaccurate. Per 15 USC 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. All of these agencies are third party agencies and did not have my written consent to disclose my personal information for any basis of inaccurate information being furnished on my consumer credit profile. The 3 main credit reporting agencies : TransUnion, XXXX, & XXXX have been known for their deceptive practices, unlawful dealings of publishing false information on consumers credit profiles. They have also breached my rights under the Privacy Act of 1974. The Federal Educational Privacy Act ( XXXX ) for sharing my personal information with these agencies for monetary value. These companies, knowingly and willingly continue to disregard the FCRA Law, FDCPA & FTC guidelines which they all sign under their Indenture Trustee/Trustee/Servicer/Depositor SEC Forms . It is a VIOLATION!!!!

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: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have set up payments with XXXX financial and someone goes in a changes the date of my payment for their benefit. I set up a payment through my ACH to be ran on XX/XX/XXXX. The XXXX was processed for XX/XX/XXXX. I reached out to them to let them know about this error but no explanation was given. It happened again, I set up payment to be ran on XX/XX/XXXX but it was ran on XX/XX/XXXX. This company is known for shady practices, their employees are rude and move around customers payments to benefit them and their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Public record information inaccurate

Complaint:
The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report as such reporting is " aged ''. On or about XX/XX/XXXX, I filed federal bankruptcy under XXXX XXXX During the course of these proceedings my XXXX XXXXXXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX XXXX. XX/XX/XXXX, my bankruptcy was discharged. I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rd party and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was US statute conversion. There was also a reference that all debts were the responsibility of consumer. XXXX XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XX/XX/XXXX. XXXX have deleted the bankruptcy from my credit report. Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX https : //equifaxconsumersXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-08
Company: EQUIFAX, 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: 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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Google Compare Credit Cards Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was charged XXXX on XX/XX/2022 by XXXX for a XXXX XXXX XXXX i never ordered. My bank frauds dept. notified me that morning the phone was charged, I told them that it was not me who charged the phone. They told me they would launch an investigation, but until the resolved the issue they would put the money back into my account. I said that was fine, since I live on XXXX. So they did their investigation for about 4 weeks I thought every thing was going my way until I received a letter about the incident saying they didn't find anything wrong. Well since that day it has been a struggle just to pay my bills, They took back the XXXX out of my account. I called and complained to them with no satisfaction. They said the case was closed and nothing more to do or say, well i guess that ended that. So I went to my bank and told them the story with no justice, they replied that they listen to their frauds dept. well needless to say i have been in a financial bind since then. I then reported it to XXXX that someone had used my credit card number to order a XXXX Phone off their website. See you must have a Credit or Debit card on file with XXXX if you use their services, which I do. That is the card that was used to purchase the XXXX XXXX XXXX, that i never ordered and was shipped overnight to someone using my name XXXX XXXX in XXXX XXXX, SC. I don't recognize the address so I told XXXX that It wasn't me, but they replied that it was me that i was the only one who could have purchased the phone. Well I Replied to them how do i know it wasn't someone who worked for one of your XXXX stores since they have all of my information. They replied that was impossible. I told them well the phone was shipped to XXXX XXXX SC I don't live or know anyone that lives there, I live in XXXX, SC have for over 32 years. Why would i ship it there? The XXXX XXXX Police told me no crime was committed in their area that there was nothing they could do. The Police in my area said that it was between my bank and myself. So I'm out XXXX, I ask you where is the JUSTICE? 

XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Out of OHIO XXXX XXXX Only way to contact them is through XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, 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:
I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account Name : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX, 11. Account Name : XXXX  XXXX Bankruptcy Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a account with chime, I received a {$20000.00} deposit in XXXX XXXXChime close my account.so on XX/XX/2021 I received another deposit of {$20000.00}, but the account had already been closed.I contacted chime and ask them to return the money back.I never received a rresponse.so I was thinking the money was returned.Till the company contacted me yesterday.I contacted chime again yesterday no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: ALLY FINANCIAL INC.
State: ND
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A ( multi-year old ) Ally XXXX  account reappeared on my banking website. This occurred XXXX  months ago, and I have called the company dozens of times in the hopes of a resolution. 

I have been escalated and transferred between 15 departments. Each area claiming the resolution is either on the way or being looked into. The latest update was a support ticket with their IT department which has not been seen/worked on by anyone for the last 3 and half weeks. 

I'm deeply concerned how a closed account was reopened without my acknowledgement/consent and the completely inaction of Ally XXXX to remedy the situation.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
False inaccurate reporting I DO NOT RECOGNIZE these following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAST REQUESTED REMOVAL DATE XXXX PLEASE REMOVE I DID NOT AUTHORIZE THESE INQUIRIES

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 2023-10-30
Company: EQUIFAX, INC.
State: TX
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: In progress
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Unauthorized Charges and Unresolved Issue with Bank of America Dear Sir/Madam , I am writing to seek assistance and resolution regarding an ongoing issue with my Bank of America credit card account. On [ mention the date when you ordered the {$4.00} basic subscription service from XXXXXXXX XXXX ], I subscribed to a {$4.00} basic service with XXXX XXXX To my surprise, this subscription was later upgraded to a {$250.00} premiere subscription without my consent or request. 
I immediately contacted Bank of America to report this unauthorized charge and requested assistance in resolving the matter. Unfortunately, instead of helping me, the bank agent I spoke with canceled my credit card without issuing a new one. As a result, all the recurring payments linked to my credit card were left unpaid, causing financial disruptions and inconvenience. 
Following Bank of America 's investigation, I was informed that the unauthorized charge was considered valid. This decision is deeply troubling as the charge was made without my consent and in violation of my original agreement with XXXX XXXX 
My attempts to resolve this issue with Bank of America have been exceedingly frustrating. I have spent considerable time on the phone, often navigating automated systems and being transferred between departments. On XX/XX/2023, I devoted over four hours to this matter, and despite assurances that my case would be reopened, I have seen no progress. I think that Bank of America does this to frustrate customers so much that they just give up. I also think that something needs to be done about it. 
I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I believe that my case warrants a thorough review to ensure that I am not held responsible for unauthorized charges on my account. 
Enclosed with this letter are copies of relevant documents. I am also ready and willing to provide any further information or documentation that may be required to investigate this matter thoroughly. 
I appreciate your prompt attention to this issue and your assistance in resolving it. Please do not hesitate to contact me at XXXX if you need additional information or clarification. I look forward to a resolution that is fair and just. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: AmeriCollect
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:
On XX/XX/XXXX, I sent notice directly to the PRESIDENT of Americollect Inc, XXXX XXXX XXXX to Cease & Desist any action to defame my character ( attached ). This company has had more than enough time to respond and failed to do so. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I tried to communicate with this company to amicably work to an appropriate solution, and they intentionally ignored my request. Americollect has knowingly and willfully violated my consumer rights by placing an alleged debt obligation on my credit report illegally. Their continued violative business practices, are to intentionally defame my character, harm my financial reputation causing me insurmountable stress. Ive been denied extensions of credit multiple times because of this account reporting to my credit profile. The statute 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. There is no excuse for their actions as they have been in business for over 40 years. Several court cases support XXXX XXXX non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. XXXX XXXX XXXX XXXX v. XXXX ( XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX, XXXX P. XXXX ; People XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation