BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 following information furnishers are violating my rights : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 section 602 ( A ) States I have the right to privacy.

15 U.S. Code 1681 section 604 ( A ) section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

The following fraudulent hard inquires are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave any of these companies consent or written permission to have access to my credit report nor to furnish information on my consumer report. 

According to 15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: FIRST ADVANTAGE CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, on the FirstAdvantage background check a variety of things seem to be incorrect. The XXXX i'm applying for is in Colorado not XXXX florida, and the criminal record on file is for a XXXX XXXX XXXX, my name is XXXX XXXX XXXX, and do not have a record of any criminal activity and have never even been to the DC area. I would ask that this issue gets fixed as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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:
In accordance with the fair credit reporting act XXXX XXXX  account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consummer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Bread Financial Holdings, Inc.
State: FL
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:
Comenity Bank has called me directly in the past and I sent them a letter in writing to cease calling me about the debt, approximately 60 days ago. They have ceased calling me directly but over the past 30 days have begun calling my family members and explained they are attempting to " locate '' me. Today I was there when they called my wife 's cell phone and so I spoke with the representative and reviewed the fact that I have informed them to stop calling me about the debt. The representative told me that they only had record of being told to stop calling me directly, but nothing in writing about calling my family members. That is false and also debt collection harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 tried to contact Transunion about reporting false information on my credit report that they refuse to update. This information is not accurate and hurting my ability to gain employment and credit. I know by law that they are only able to provide accurate and truthful information. I asked that the following inquires be deleted over 60 days ago. I contacted Transunion and one of their employees admitted on a recorded line that they did and will not do a fair investigation and report correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Visa XXXX at XXXX the bank that has the card agreement with usaa savings bank - the issuing bank and who told me to call visa, refuses to tell me where I can get the exchange rate information use on foreign transactions for XXXX. Visa tells me to call USAA as the rates used are XXXX and exclusive rates for usaa and that visa does not have that information. I called visa  on XXXX and was on a recorded line. When I called usaa to get the info, they told me to call visa. So this complaint is for Visa as I have also filed one for USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Not mines I never signed any paperwork to go back to school I do construction Im in the union I have a career

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020 XXXX XXXXXX/XX/2020

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 2023-03-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have done several investigations and disputes on my credit reports which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the Credit Bureaus didn't make sure it was reporting 100 % correct. I also included my Driver license, social security card, and current utility bill with my proof of recent address on it each time as proof it was me. and each time the Credit Bureaus sent correspondence letter stating I or a third party didn't appear to have properly authorized to send in information to them I know for a fact it's a stalling tactic rather than to do a proper investigation and remove all inaccuracies from my Credit reports. Also they'd follow up with correspondence after that each time stating my accounts was properly investigated, but how is that possible if there are several open dates that is inaccurate, Reporting of collection accounts with no names and other inaccurate information along with it, inaccurate Terms on credit accounts, inaccurate payments received along with not reporting all payments in a timely manner, inaccurate pay statues on several accounts, date last reported is not accurate and several dates last active are damaging inaccuracies that are all reporting incorrectly across all three Credit Bureaus. on top of this XXXX failed on several occasions after my mailed in disputes with proper documentation and proof its me for almost 2 years now to remove a said XXXX XXXX Bankruptcy thats reporting an inaccurate Case Number, and its still on my credit report. All of these is grounds for removal, they also violated my rights under 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 an account without my written instructions. 

Yet I have received several responses from all three Credit Bureaus stating, said Companies verified all information reporting to be accurate to them, but when I requested who were those companies, also to disclose to me what proof of each account that was investigated they sent in on my behalf showing my wet signatures connection to me along with my correct personal information to say those said accounts were accurate, and none of the Credit Bureaus would give me that information or make corrections. I have even called and spoke to Managers of all three Credit Bureaus with nothing but refusals to remove inaccuracies along with just reading scripts giving me generic answers, which is also a violation of my Rights to my own personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card is frozen and I want the balance mailed to me by check and Bank of America is not helping resolve my issue telling me EDD ha not contacted them, but that is unlikely because I watch the news and I verified my identity already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Credit Report is reporting inaccurate, unverifiable information on my Exquifax and XXXX credit reports and are in violation of Federal Law. 

They are listing an account on my Equifax report as XXXX XXXX XXXX with an address listed as " XXXX XXXX XXXX, XXXX  XXXX ''. The account in question is showing up as a {$3300.00} charge-off, and is reporting a balance of {$2600.00}. 

On my XXXX credit report, this same account is being reported as XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX, XXXX, XXXX XXXX. It is also showing a balance of {$2600.00} while simultaneously being reported as a {$3300.00} charge-off with an original balance of {$4200.00}. 

Not only are they reporting conflicting information for the same accounts, their reporting is down right contradicting each report on both Equifax and XXXX. Their reporting is also illegal, and is a direct violation of Federal Law which states that inaccurate, incomplete, and or unverifiable information MUST be deleted from my consumer credit reports. 

In addition to the violation I've mention above, XXXX XXXX XXXX is also in violation of 15 USC which explicitly states that upon receipt of a consumer dispute, they must follow out the laws spelled out below : 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

XXXX XXXX XXXX violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the negative tradeline from my XXXX and Equifax credit reports. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Credit Report is reporting inaccurate, unverifiable information on my XXXX and Experian credit reports and are in violation of Federal Law. 

They are listing an account on my XXXX report as XXXX XXXX XXXX with an address listed as " XXXX XXXX XXXX, XXXX  XXXX ''. The account in question is showing up as a {$3300.00} charge-off, and is reporting a balance of {$2600.00}. 

On my Experian credit report, this same account is being reported as XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. It is also showing a balance of {$2600.00} while simultaneously being reported as a {$3300.00} charge-off with an original balance of {$4200.00}. 

Not only are they reporting conflicting information for the same accounts, their reporting is down right contradicting each report on both XXXX and Experian. Their reporting is also illegal, and is a direct violation of Federal Law which states that inaccurate, incomplete, and or unverifiable information MUST be deleted from my consumer credit reports. 

In addition to the violation I've mention above, XXXX XXXX XXXX is also in violation of 15 USC which explicitly states that upon receipt of a consumer dispute, they must follow out the laws spelled out below : 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

XXXX XXXX XXXX violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the negative tradeline from my Experian and XXXX credit reports. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

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 2022-06-29
Company: EQUIFAX, INC.
State: VA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX XXXX Balance : {$19000.00}

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I reported fraudulent activity to Bank of America and filed a dispute in the amount of {$3000.00}. Then about 2 days later its already notifying me that the claim will not be paid and is closed. Well come to find out the representative didnt accurately include the correct transactions and included some authorized transactions in the fraud claim. So they had me resubmit the claim and of course since its a resubmission they dont issue provisional credit even though it was THEIR FAULT THAT I HAD TO RESUBMIT THE CLAIM. This claim literally consists of various random XXXX and XXXX type merchant names that dont even make sense when you try to read them. Nonetheless its obvious as obvious can be that they are fraudulent charges. So they push the investigation all the way to the XXXX day which is when they said they would be crediting my account for the transactions since they havent received any response from the merchants as of yet. But I woke up to a notification that the claim is closed and not paid. I spoke with a claims representative the day prior and SHE STATED THAT THEY HAD BEEN UNSUCCESSFUL IN GETTING ANY TYPE OF RESPONSE FROM THESE MERCHANTS. So how is it that 12 hours later the claim is closed and not paid. This is absolutely ridiculous and to make it worse they wont provide the documentation used in the determination of the claim decision which I thought they legally had the obligation to provide upon request.

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 2022-06-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
i sent a payment for services on XXXX  and the merchant didnt use venmo anymore and I had no idea, so i paid the merchant through XXXX XXXX expecting that XXXX  would cancel the transaction because both me and merchant requested the cancellation but sense merchant owed XXXX, they will not cancel the transaction, but its not my fault the merchant owes XXXX, regardless if the merchant and buyer are asking for a cancellation it should be cancelled, but they are not going to cancel, even after showing proof payment by other means such as XXXX as I did. please have XXXX  release my account and unfreeze it. GOD BLESS

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