BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Collection Management Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ I became aware of a company called Collection Management Company ( CMC ), DBA Credit Management Company, trying to collect a claim based on a nullified contract. This debt was never my debt and I made CMC aware of this on multiple occasions, in writing and verbally. 

On XX/XX/ I decided to pay the amount to avoid the threatened harm on my credit score. I maintain that this was never my debt and only agreed to pay the claim to avoid the threats to my credit score from XXXX by employee XXXX XXXX. 

I believe that this violates the FCRA guidelines around credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account with Bank of America in XX/XX/XXXX. I had recently started my new business within a year ( XX/XX/XXXX ) of opening an account with BOA. I was provided a business credit card and a personal credit card which when looking at the statement, it combined the 2 cards with providing the credit card balances and the total credit limit. I mistakingly made payments to the business credit card verses the personal credit card account which led to a 30 day late. I called BOA to explain that it was an oversight on my part and I immediately paid what was due for my personal card. I verbally asked if this could be forgiven as the statement was confusing. The said they would submit a request for it to be removed. I made several phone calls since that time and have rejected my request for removal from my credit report. I have an excellent record of paying on time.It is now causing me a financial hardship for my new business as it is driving down my credit score and lenders are refusinf to consider me for a loan because of the 30 day late on my 3 credit reports. BOA refunded me the {$29.00} late fee with ease. The time frame is from XX/XX/XXXX to the current month of XX/XX/XXXX. I am uploading documents I have available. I WANT TO CLARIFY, THE LAST TO PAGES OF THE UPLOADED TBOA DOCUMENT IS TO SHOW THAT THEY ARE REDUCING MY CREDIT LIMIT TO MY BUSINESS CREDIT CARD DESPITE MY ON TIME PAYMENTS ( THIS WAS JUST AN EXAMPLE TO SUPPORT THAT I BELIEVE I AM BEING TREATED UNFAIRLY ) I ONLY WANT THE ACCOUNT NUMBER LISTED TO BE ADDRESSED in this complaint. Thank you kindly for your assistance.

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 2023-03-25
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. 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, Account name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : 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 2023-03-10
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
In the past 60 days, I have disputed accounts that are the result of identity theft. Both times, Experian has accused me of utilizing a third party such as a credit repair company. I have sent additional letters & called with documentation proving that I am NOT in fact using a third party. 

This experience has been very hurtful to my finances as well as 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2023-05-04
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made my payment directly on the MACU website in advance of the due XX/XX/2023 date to pay the balance in full to {$0.00}. They still charged me {$270.00} in interest. They are stating it is because the interest that was charged was accrued from XXXX XXXX XX/XX/XXXX from the balance transfers that were made in XXXX. I had no idea that balance transfers do not have a grace period before interest starts accruing like purchases do. If this was disclosed at all, it is buried in the fine print somewhere and not easy to find or know from a customers perspective. It is very unfair to charge customer interest this way as most banks do not charge interest if a balance is paid in full before the due date regardless of whether it's a balance transfer or purchase. At the end of the day, I paid this balance in full prior to the due date and it's very unfair to still assess a customer interest when they did the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX has placed a derogatory account on my credit report in the amount of {$830.00}. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, I reached out to the debt collector in regards to this collection on my account it was advised they can not remove it. I definitely did not set up an account and this is fraudulent activity.

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 2023-03-10
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 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 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 an 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 2023-03-10
Company: Experian Information Solutions 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 XXXX XXXX Account XXXX and XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-10
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:
Hey it has come to my attention Experian reported transactions on my consumer report XX/XX/2022, XX/XX/2022, and XX/XX/2022 between XXXX  XXXX ( XXXX ) and XXXX XXXX, so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from 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 2023-03-10
Company: Experian Information Solutions Inc.
State: LA
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, and XXXX  XXXX # XXXX. 

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 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, 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 2023-03-10
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Went to the Synovus branch at XXXX XXXX XXXX XXXX, XXXX FL XXXX on Wednesday XX/XX/XXXX to open a CD based on an advertisement I received ( and a variation of the ad happened to be on a desk within the branch : XXXX 4.6 % for 13 months ). Manager phone number : XXXX ; branch assistant ph number : XXXX. 

1 ) Notably the representative at the desk did not speak fluent English, but XXXX  ; 2 ) Immediately, he informed me that the promotion was not available for me, but only for existing customers, that I as a new customer could only receive 4.4 %. I went to the ad on the desk and it did not say that, it confirmed simply 13 months for 4.6 %. We brought this to the attention of others in the branch and then they said, ok if you open a checking account as well, you can receive the promo rate. Although the ad on the desk did not say that, I agreed ; 3 ) I requested that Synovus not mail paperwork, and they said they had to - no problem I agreed. I leave and then unexpectedly about an hour later receive a call from the no English speaking representative, telling me about opening the account on line or something of that nature in order to adjust the settings to no mailings. Ok, at this point I have concerned about this branch at Synovus and tell the lady who helped XXXX XXXX XXXX open the CD that I would need to part ways with Synovus, get my money back and go elsewhere. I am told the manager would call tomorrow ; 4 ) Branch manager calls Thursday XX/XX/XXXX, said sorry for my experience and troubles. Offered to close the CD and return my money tomorrow ( XXXX without penalty ) ; 5 ) XX/XX/XXXX is today, I receive a call from yet another employee in the branch informing that there will be a 12 day hold on my money - it'll be available XX/XX/XXXX - AGAIN, not what was agreed upon when the branch manager offered to close the CD and return the funds. So, it was trouble with their ad, outrageous that they have someone who can speak English making representations, and then another slick move in holding the money for 12 days without telling me what he intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XXXX, XXXX, XXXX : Is reporting Capital One on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting Capital One they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as 5, which alerts lenders of my race based on the first number being a 4 or 5, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-03-11
Company: Experian Information Solutions Inc.
State: MN
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : 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 2023-10-16
Company: ACIMA CREDIT, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Identity was stolen! I got a police report I noticed a company named Acima was on my credit report twice! Once for the amount of XXXX and another for XXXX this is Fraud not my charges!!! We have been going back and forward for months I'm preparing for court this it not right and this company needs to be held responsible for there actions!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but XXXX XXXX wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.

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 2023-07-25
Company: EQUIFAX, INC.
State: VA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See document attached

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 2023-03-11
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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