BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: FORD MOTOR CREDIT CO.
State: CA
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 by reporting information with actual knowledge of even the slightest chance of errors. 
15 USC 1681 Section 602a states that I have the right to privacy. Ford Motor Credit has violated my rights. 
15 USC 1681 sec. 604a sec.2 : says a Consumer Reporting Agency can not furnish my account without my written instruction. I never gave my permission for this to be made public. 
15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Ford Motor Credit is showing that I have five late payments. None of this is true. 
15 USC 1681c 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. I have notified Ford Motor Credit and the three major trade bureaus that this account belonged to my father, XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: CA
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, XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Account status incorrect

Complaint:
Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts

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 2023-02-06
Company: Experian Information Solutions Inc.
State: NJ
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 called experian about an inquiry from experian business credit pulled on my report without my consent. I have already called to dispute this hard inquiry to have it removed

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 2022-11-23
Company: Self Financial 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: Account status incorrect

Complaint:
Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature.

15 US Code 1666b In accordance with FCRA, ( SELF LENDER ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose.

15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Fig Tech 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: Account status incorrect

Complaint:
15 US Code 1666b In accordance with FCRA, ( FIG LOANS ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under and open end consumer credit plan as late for ANY purpose.

In addition, under the cares act- creditor made an accommodation which prevents late reporting on any account 15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting but to also update the balance on the prior paid off and closed account. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Block, Inc.
State: OH
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:
Cash app send me a message on XX/XX/2023 regarding my mother doing a dispute and cash app is taking the money out my amount. Then I looked at my bank account 5 minutes later and {$800.00} was debt out my account. This was not authorized. This is the second time cash app took {$800.00} from my account. The {$800.00} that they took out my account was already returned to my mother from me on cash app on XX/XX/2023. She sent it to me of the amount of {$800.00} first on XX/XX/2023. When I cashed out the {$800.00} it was a instant fee of {$14.00}, so XXXX was cashed into my bank account. Cash app debit my account of {$800.00} ( which was unauthorized that money was returned to me ). I also send my mother {$810.00} on cash app returning that {$800.00} that she send me. This was in XX/XX/2023. I did a dispute with my bank and also cash app on XX/XX/2023. My mother said she did a dispute that had nothing to do with me with her bank. She said that she did a dispute in the beginning of XXXX. She received her money on XX/XX/XXXX regarding her claim that had nothing to do with me. I don't understand why her bank or cash app will take my money out my account. She said that the month that they took from me was not return to her in her bank account nor cash app. I do have all my receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX my family and I received unsolicited " offers '' from PNC to use their checks to " improve your financial flexibility. '' We decided to deposit checks for amount totaling XXXX USD on XX/XX/XXXX. This money had a whole year to be paid back yet this PNC is now scheduling this payments without our consent and they have scheduled amounts of XXXX to go back to this credit card account on XX/XX/XXXX. I have tried to resolve this with them but they sheepishly blame me for scheduling that amount when I believe it's a glitch in their system that makes this payment be scheduled WITHOUT my consent. I first called on XX/XX/XXXX and their staff showed me how to delete this scheduled payment but on Monday they had already scheduled it again for same day. I called on XX/XX/XXXX and after being on the phone with them for over XXXX minutes, their staff were rude and bossy and wanted for me to humble myself and feel like am their under their mercy, am not. I requested for manager to call me back and they said someone will reach out to me but they still haven't. I decided to call again since they are robbing me XXXX ands spoke with their staff who said they were not sure if that transaction is reversible. They keep insisting that I can change/delete payment but I will include XXXX screenshots of XXXX online bill payments and prove that on this one they schedule themselves I have no control over it and I am not able to stop/cancel payment -- -on XX/XX/XXXX I had the option to edit/cancel but PNC decided to take that option away from me. This money/offer was for to be paid back by XXXX by PNC has taken it among themselves and do illegal business. on the attachment PNC 1 their or PNC themselves system schedule it and so I can not edit cancel since I have no control. On PNC 2 it it one of the bills I set up and so can edit cancel

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting the following inquiries on my credit report which is a violation of my rights under FCRA -15 USC 1681b ( a ) ( 2 ). I did not give permission for Transunion to report this information nor provide my credit information to any of the following companies. When I contacted Transunion to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Transunion WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX 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 instruction 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 the of convictions of crimes which antedates the report 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 agency if the person knows of 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 2023-02-23
Company: Experian Information Solutions Inc.
State: NY
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:
The list of accounts below has violated my federally protected consumer rights to accurate reporting and right to privacy and confidentiality under 15 U.S.C. 1681. This section states I have the right to privacy. Furthermore, Section 604 A Section 2 of the same statute states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information that antedates the report by more than seven years. Additionally, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date, as stated in 15 U.S.C. 1681s-2 ( A ) ( 1 ). Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) also states that 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.

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/XXXX, I checked my Discover XXXX  account only to find a {$1000.00} withdrawal that was authorized/submitted/processed XX/XX/XXXX. I called Discover as I did not recognize or authorize the transaction and was told to contact XXXX to see if it was on their end since it was coming from a XXXX XXXX account ( my main checking account is with XXXX  ) I did not authorize or approve any withdrawals from my Discover XXXX Along with this, there was a random hold that was put on my XXXX account transfer TO BE DEPOSITED to my Discover savings and my XXXX XXXX account. 

After reaching out to XXXX they determined it was not viewable on their end who initiated the {$1000.00} withdrawal from my Discover XXXX as well as not being able to determine why there was a hold placed on my account. The representative at XXXX said it was possible my Discover savings has been compromised I will shortly contact Discover again today to inquire furthermore about the unauthorized withdrawal and possibly see which account it was withdrawn too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: 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 explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Chime Financial Inc
State: IA
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:
On the morning of XX/XX/XXXX, I awoke to see 4 pay anyone transfers totaling XXXX dollars. I was immediately concerned because I have never used this pay anyone feature and didn't recognize the transaction or to whom the money was sent. I contacted Chime that day, spending an hour on the phone, only to have them hang up the call. I called back again, spending another hour on the phone, and was told they understood my account had been compromised someone had gained access and committed fraudulent pay-anyone transfers. They had me cancel my cards and change my account password to secure my account. I was told the fraudulently stolen funds would be refunded in 3-5 days. After seven days of waiting, I called back on the XXXX for another hour. Another supervisor told me he would look into the case, contact the departments involved to get a resolution, and then email me. I never received any email from that supervisor called again on the XXXX for another hour to inquire why no one reached out to me and was told by that agent that the missing funds were pending to go back into my account and would arrive on the XXXX. I did not receive the funds ; I called again for an hour and was told the agent realized there were errors with previous agents and that she would open an investigation. I received an email from Chime on the XXXX stating they opened a dispute for me. Today the dispute was denied. This is insane, considering this is blatant fraud. I had never used the pay anyone transfer since I opened my account and notified them immediately. This is highly frustrating considering how much time I've had to spend on the phone when I'm the victim and it's sad to see how customers affected by fraud are treated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was with XXXX XXXX ( XXXX XXXX XXXX XXXX  and from there last record the debt was paid off completely for {$29.00} on XX/XX/XXXX and I asked them to close my account due to me no longer needing the credit card. Now months later they've sold the debt to Midland credit, it was charged off XXXX and sold on XX/XX/XXXX to midland credit XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I obtained an auto loan through BOA, which was abruptly closed without prior notification in XX/XX/2022. My last payment was made in XX/XX/2022 as scheduled. I have never missed or had a late payment prior to that, and always in great standing with the same business ( bank ) for 18 years. I was not able to continue making payments due to the action taken by the bank closing the account without providing notice of any such action going to take place. They have my contact number, email, and most current address all on file including the newest address when I had moved. The bank then reported it as a delinquent account to all 3 credit bureaus, which has affected my excellent score and credit history. They changed status from closed to open, upon my first complaint made which is showing only on transunion as open and claiming late payments ( of an account which was previously closed by them ). I attempted to resolve the issue directly, and they are claiming such negative remarks wouldn't be removed and that it would remain for approx. 7 years, even if I pay the balance. This was/is an unfair practice on their part for taking such an action. The comments differ slightly in each bureau, but all have the same negative standing. Please obtain all records from BOA on this claim to show the timeline of the events.

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