BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
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 Account # XXXX  XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, Account # 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-27
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MD
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. 


XXXX  XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : 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 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 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I attempted to contacted Bank of America. They actually did nothing to resolve my issue. This has now cause a finical hard ship for me. I just had a new born baby. So based on bank American failure to assist me in this matter. Which falls under regulation E. This transaction was not authorized. And I would like it to be refunded immediately. 

email : 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 monetary relief
Consumer complaint received 2023-02-01
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a formal notice that I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. I have a right to opt out of my information being shared and hereby do so. The XXXX XXXX limits your ability to share my personal financial information with certain non-affiliates. 
I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete any account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I XXXX have had with your company. 
Failure to delete the tradeline will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

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 2023-06-20
Company: Bread Financial Holdings, Inc.
State: MD
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:
When I was given this card by XXXX I was never given the information from the company until a late payment which I was never given the information. I call the company and stated that but was told they sorry but they did not help me. I would like to get all late charges back and start fresh.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have a 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 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 2023-06-20
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been getting harassed by Credence, and when I answer and tell them to stop calling, they hangup. They call me at least 1x daily since XX/XX/2023 from different numbers, but my caller ID shows up the number as " Credence ''. This is harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX FTC, and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. Please note that I am the only natural person writing this statement with the help of no 3rd party. I never gave any consent to report anything on my consumer 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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

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 2023-02-25
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:
XX/XX/2023 Transunion XXXX XXXX XXXX XXXX , PA  XXXX. 

FAILURE TO NOTIFY CONSUMER WITHIN 5 BUSINESS DAYS AFTER REINSERTION OF PREVIOUSLY DELETED LATE PAYMENT. 

RE : XXXX XXXX ACCOUNT # XXXX During a review of my Transunion consumer report, I noticed that your company reinserted previously deleted late payment in my XXXX XXXX account XXXX XXXX on XX/XX/2023, without notifying me of the reinsertion within 5 business days after the reinsertion as required by the law. 

According to 15 U.S. 1681XXXX  - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX ) NOTICE TO CONSUMER If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing NOT LATER THAN 5 BUSINESS DAYS after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( XXXX ) ADDITIONAL INFORMATION As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( XXXX ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file. 

Based on the above violations by your company, I demand the Late payment notice in my XXXX XXXX account # XXXX be deleted and account updated as CURRENT, PAID AS AGREED.

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 2023-02-25
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: 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXXXXXX 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 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 2023-06-20
Company: Kriya Capital, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing XXXX XXXX for years now. XXXX has sold this account to other companies and I am upset about the account being sold around and each time I have to dispute it with you all. For the last time this account does not belong to me and is not mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX XXXX XXXX, i was notified XX/XX/2023 that a replacement card was sent to my address. I waited on the card and it did not show up. I then later recieved a Link sent to my phone from Bank of america stating i needed to verify charges to recieve card. I knew somthing was wrong because i havent made any charges on my account. I latered contacted Bank Of America to find out my account was drained of my Funds. Later after the phone call My User name was Randomly sent to me. I logged in after changing the password to see how the money was taken. PLease check the trasnfer account, i have made none of these charges.

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 2022-12-22
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello- I have been diligently tracking my communications with two mortgage companies that have made the process of coming out of Covid forbearance an absolute nightmare. What was supposed to be helpful has hurt our credit, our financial ability to pursue business opportunities, obtain credit personal and/or business credit, and our families emotional well-being. 

Please see the entire documented process at the XXXX XXXX link provided - ( XXXX : XXXXXXXX XXXX ) My main concern at this point in the process is that BSI Financial provided us with incorrect information in their loan modification paperwork and we agreed to something that was not accurately depicted. We were asked to continue making payments until the modification was complete. We received the paperwork on XX/XX/XXXX, and we had it signed and returned on the same day, with the understanding that the agreement was for a total payment of XXXX, as was clearly stated in the agreement. We then began making payments of {$1100.00} for the next three months, which we had to call and make through customer service. Never did a customer service representative tell us that we were making a payment that was less than what was expected of us. Only when we started getting late payment notifications did I realize something was wrong. I called customer service ( call recording in XXXX ) and they told me XXXX would need to handle it. XXXX states customer care should have been helping me. 

In addition to the incorrect modification paperwork, there is some blatant and hurtful disconnect with the non-disclosure that is being provided to a consumer that is agreeing to a loan modification. My total loan payment before the modification was {$1400.00}. Now, my payment is {$1400.00} on a XXXX loan? So I added 10 years and probably XXXX in interest ( I have no idea since I never received an amortization schedule ) to save {$10.00} a month? 

I have my real estate and mortgage loan originator licenses, and I know for a fact that this stuff should not be happening. It's been terrible for my family, and it's terrible for the industry. 

I don't think BSI understands the implications of the negligence of their handling of these issues. It is blatantly clear that they have significant issues with providing terrible customer service and I believe have moral and ethical issues. These issues are affecting families and providing stress beyond what is being seen on paper ... Look at all of these people being affected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
I have a a XXXX XXXX XXXX XXXX  showing on my credit and the account is 100 % fraudulent. The address listed under the account is fraudulent. I contact XXXX XXXX  and they have no knowledge of the account. The account keeps getting verified when it isnt under any debt collectors. This account was due to Equifax data breach. I have file the police report, FTC report and XXXX  complaint. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I currently have a plan through Experian called XXXX premium for daily credit score report, monthly 3-Bureau credit reports and other various benefits for {$24.00} per month.

I was considering upgrading my plan in order to obtain monthly privacy scans and removals from the internet, so I reviewed their upgraded plans. Their website loaded a page which was a 3-column comparison ( attached ) of my CURRENT plan ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( also called XXXX for some reason? ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The " XXXX XXXX XXXX XXXX XXXX XXXX which includes the " monthly privacy scans and removals '' I was looking for, outlines as the very first and BOLDED bulletpoint that this upgraded plan includes " EVERYTHING IN CURRENT ( plan ) ''. However, if you scroll down, you'll see that this " upgraded '' plan only includes QUARTERLY 3-bureau reports, versus my CURRENT plan which includes MONTHLY 3-bureau reports.

How could it be possible that my current plan include MONTHLY 3-bureau reports and the " upgraded '' plan included only QUARTERLY reports, yet Experian is trying to charger me MORE money and, not only that, but they go so far as to mislead me ( and likely many many other consumers ) by falsely stating that the new/upgraded plan option includes " EVERYTHING IN CURRENT PLAN '' - when, in fact, it absolutely does not. This is a LIE and this is FRAUD .... from the largest credit bureau in the United States. Nice work Experian. 

NOTE : MY CONTACT PHONE NUMBER ON FILE IS WRONG/OUT-OF-DATE. MY PHONE NUMBER IS NOW XXXX. Please update your records accordingly. Thanks!

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