BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
Wrote to dispute the validity of items reported pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires the credit bureaus to verify the validity of the item within 30 days. If the validity can not be verified, the credit bureaus are obligated by law to remove the items.

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 2023-04-08
Company: EQUIFAX, INC.
State: CA
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:
Pursuant to the Fair Credit Reporting Act, it is EQUIFAX 's duty to be reporting correct and accurate information on my credit report and file- however they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of a 90 day late payment on XX/XX/2016 and XX/XX/2016. These are incorrect and supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to the transactions or experiences between the consumer and the person making the report. A transaction constitutes these inaccurate late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). I is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
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 from erroneous reporting in my file are listed on my credit report : 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 2023-09-29
Company: EQUIFAX, INC.
State: TX
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: 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been going on for yeas and it's giving me anxiety

Company response to consumer: In progress
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name XXXX XXXX XXXX  XXXXXXXX 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 XXXX years. 
15 U.S.C. 16815-2 ( AN1 ) 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 explanation
Consumer complaint received 2023-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an Unlimited Cash Rewards World XXXX XXXX ending in XXXX with Bank of America. I have been using an offer of 0 % interest on Direct Deposit and Check Cash Advances for that card and carrying a balance with 0 % interest from that offer. I made a purchase of {$2500.00} on XX/XX/XXXX and made a payment of {$2500.00} to cover the purchase to avoid accruing purchase interest. However my statement for XXXX ( date : XX/XX/XXXX ) showed an interest charge of {$21.00} and balance amount subject to interest was {$1100.00}. While unhappy about this I made another payment of {$1200.00} on XX/XX/XXXX to cover the amount carrying purchase APR. To my surprise, XXXX statement on XX/XX/XXXX wrote I am having an new purchase interest charge of {$27.00} with purchase balance subject to interest being {$1500.00}. I made no new purchase between XX/XX/XXXX to XX/XX/XXXX at all. While I made my best effort to cover my purchase to avoid purchase XXXX charge over two months following statement, and made no new purchase, I still could not cover the previous stated purchase balance. I contacted customer service however the customer service could not explain why this happened and blamed on me not understanding interest accrual. I could not find anywhere in BofA terms about how this could be explained. This misbehavior of BofA calls for tighter regulation on interest charge and credit card promotion advertising. BofA needs to correct this issue right now and reimburse the wrongly charged interest. BofA needs to clearly publish in the statement how to cover the amount subject to APR but not hiding details in the fine prints.

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 2023-04-08
Company: EQUIFAX, INC.
State: SC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX AV XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Information belongs to someone else

Complaint:
Someone applied for a credit card/personal loan under my social security number and name! 
XXXX XXXX XXXX I got a notification that I had a hard inquiry on my credit report. That is how I found out as I NEVER applied for anything! I would like this investigated ASAP so I can get the law involved. This has affected my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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: In progress
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: IN
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 XX/XX/XXXX # XXXX XXXX XXXXXXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was informed that my XXXX XXXX, A Line of Credit was being restricted from draws due to my credit. I never authorized a random pulls of my credit for this account. Secondly I was not notified in writing at least 30 days prior that my credit would be pulled to maintain the account. It was in none of the account documents. I had a been a good client up to that point making my payments and principal only payments on the card. On XX/XX/XXXX. I messaged them about this after having to search the internet for an email address as they provide only a phone number. I wanted a paper trail of record so I chose to email. O was responded to on the XXXX stating that they could not reinstate my account as they did not have authorization yo pull my credit. Nothing in regards to them pulling my credit was addressed. At this point I alerted them I would be filing a complaint with you for improper use of my credit report for a credit decision.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 order for there to be truth in lending and for me as a consumer to get the best rates possible reports should be 100 % accurate. Attached you will find screenshots of my reports

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 2023-05-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was closed after I tried sending money to an account in XXXX as a payment plan for an apartment I was buying there. They say they will release the funds after they get information, I mention that I am dual citizenship and my english name is legally XXXX XXXX as I was transferring from my XXXX  account under name XXXX XXXX. I don't know whether its because of discrimination or another reason but as soon as they heard this they put my funds on hold. 

After two months of desperately trying to contact them and supplying all necessary documentation including passports, legal name change in the XXXX signed off by a judge, copies of the XXXX  nationality act showing my name change and a legal name change document. They finally signed off on releasing me my funds on XX/XX/2023. I spoke with my case manager XXXX who told me I could go pick up a cashiers cheque from the nearest branch as I came to America specifically to pick up the cheque. He told me it would be released to branch XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I was told by my case analyst that the funds would be available by Tuesday at this branch, It is Thursday right now and I am leaving tomorrow and they can not give me my funds. 

My property developer foreclosed on my apartment because I couldn't pay because Citibank had my life savings so I LOST {$72000.00}. 

I drove 2 hours here and they are now saying they have received nothing and they don't know where my money is. I spent {$3000.00} on this trip to America simply to get my money, not to mention all the immense stress I have been put under. 

They also said today in branch something along the lines of 'the funds should've been sent back on XX/XX/XXXX when you issued the recall, because the Citibank ERU said they signed off on a recall, I don't know whether this was a lie or a mess up on their side because my bank confirmed they received NO response ( attached message from my XXXX bank when I tried recalling the funds ) I have filed three complaints and now I am going to have to buy another flight back to America just to get this money, this is incredibly stressful and on top of it all I have a XXXX tax bill which I can not pay so I am getting fined because Citibank has effectively just told me and i quote 'we don't know where your money is '. 

I need that money, please help. This has been a major stress on me for 3 months now as that was y life savings and my future and because of Citibanks incompetence I have lost everything and I have been lied and lied to and it is all on recorded lines as well. At this point I just need my money in the account which is around {$25000.00} wired to my account in the XXXX or a cashiers cheque in the US or them to recall it to my sending bank also in the 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 2023-04-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Consumer reporting agencies Equifax and XXXX are violating my consumer rights protected by the FCRA. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The companies are reporting inaccurate information on my credit report to include names and addresses that DONOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: ACRANET 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: Credit inquiries on your report that you don't recognize

Complaint:
These intuition ran my credit without my permission. In accordance with the fair credit reporting act .15USC 1681 they violated my federally protected consumer right to privacy and confidentiality. I need these inquiries removed off my report. They are negative reflecting my chapter. other intuition review my history to see if I'm an responsible candidate for their intuition and these hard inquiries were made without my written permission / or consent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: CA
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:
Pursuant to the FCRA, it is EQUIFAX 's grave duty and responsibility to report CORRECT and ACCURATE information on my credit report and file. However, they are not doing so. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include the report of 120+ days past due on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This is INCORRECT and is supposed to be reporting PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in the EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the reporting of the inaccurate has caused me and my reputation severe hard and discrimination.

Company response to consumer: Closed with explanation