BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA

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 2022-04-28
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 with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a credit account holder with Bank of America Visa. I have made earlier complaint on about XX/XX/2022 to CFPB regarding this matter. 

I would like to notify that Bank of America has yet to cancel the disputed charges, and is still now permitting additional fraudulent charges to accrue. I have received one telephone call, directing me to phone them at ( XXXX ) XXXX XXXX from a XXXX XXXX at extension XXXX however this number again refused the extension number I was given in a voice message. I am extremely concerned by the refusal to acknowledge my clear notifications of these fraudulent charges. 

This practice place me in an impossible position, as I can neither discuss this with Bank of America or stop the charges. I have sent another certified letter to Bank of America with this same complaint.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are currently numerous accounts listed on my credit report that I have no knowledge of which are highly affecting my credit score. This was a result of malpractice or an error.

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 2022-01-26
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-01-07
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
After checking my credit report Covington Credit has a negative entry on my credit report. After researching the cause apparently they sent a pre- approved check to my former address that I was renting to my son, who shares the same name ( XXXX ). Apparently without permission he intercepted the check and cashed it. I have since cleared the home and pressed charges. I have a fraud alert on my account prior to them sending the check and I was opted out of pre-screened approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I have filed and FTC report and have reached out to the local police.

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 2017-07-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I applied for a Chase British Airways card and was approved. I used the card over the next month and charged about {$5500.00} on a {$7000.00} credit line. I paid {$3400.00} toward my balance within 20 days of having the card, to earn British Airways travel miles. On XX/XX/XXXX, I applied for a Chase AARP card and was approved for a credit line of {$4500.00}. On XX/XX/XXXX Chase closed both accounts. Citing my efforts to rebuild my credit and had opened several accounts recently. Chase had full knowlegde of my new accounts when they pulled my XXXX Credit Reports both times, but yet approved me. On XX/XX/XXXX, Chase reported both accounts to all three credit rating bureau as " Closed by XXXX XXXX ''. This has had a significant negative impact on my credit scores as a result. My scores with XXXX have fallen from XXXX to XXXX in less two weeks from the time of the Chase reporting. I did nothing wrong with these accounts and now I will have this negative mark on my credit reports for the next seven years. Furthermore, I had not even received the Chase AARP before the account was closed. Because of the irresponsible actions by Chase, I am the one paying a hefty price when I did NOTHING WRONG, and this will effect my ability to get credit for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied XXXX XXXX card on XX/XX/2017, and I used their XXXX+XXXX limited offer which ended in XX/XX/XXXX. I  already spent more than {$5000.00} within the first three months. But I only got the XXXX base offer. I tried to argue with Amex and failed. But I have no proof that I used this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of me.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This account does not belong to me. This account is fraud. Please delete it immediately.

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 2022-01-26
Company: EQUIFAX, 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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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:
N accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A Section2 : 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 2021-10-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit acceptance Corp, XX/XX/2016. Took and sold vehicle so could get it back, started garnishment

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 2022-06-12
Company: Experian Information Solutions 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 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 explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On my TransUnion credit report dated XX/XX/XXXX, there was a hard pull ( regular inquiry ) on XX/XX/XXXX by XXXX. I disputed this inquiry with XXXX, who wrote to me a letter agreeing to request that all credit reporting agencies, including TransUnion, remove this inquiry from my credit report. To date TransUnion has not removed this record, which still stays on my credit report today ( XX/XX/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 2017-07-22
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to Discovers inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. Discover reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is Discover 's error that caused this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX is not my account. I also have some inquiries on my credit report that didnt give these companies permission to run my credit please delete these accounts immediately 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX service at my mom 's house on XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The account number was XXXX. She passed away on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX via email to cancel her service and provided a death certificate. On XX/XX/XXXX, I returned their equipment to them. I followed up, after receiving a bill, on XX/XX/XXXX to make sure this service was cancelled as the house was being foreclosed on. I was told it was cancelled. Now, I have a bill going to IC Systems Debt collections ( acct number XXXX for {$500.00} for XXXX which I didn't even know was owed. I can not get anyone to explain this charge to me.

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 2020-10-06
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

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 2017-07-22
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The Coinbase website says that ACH transfers are free for deposits, but does not state whether there is a fee for withdrawals. They do state that for wire transfer deposits there is a {$10.00} incoming fee, and a {$25.00} fee for outgoing wire transfers. I believe this is a deceptive marketing practice, because they either charge {$25.00} for outgoing ACH transfers, or default you into a more expensive {$25.00} wire transfer fee. A second deceptive marketing practice by the company is that when you place a withdrawal in the XXXX app, they show you a confirmation screen for a withdrawal of the full amount, but then hours later send you an email with a small disclosure that you are being assessed a " {$25.00} Banking Fee ''. The fee is not described as a wire transfer fee, or a bank specific fee, it is just a generic " {$25.00} Banking Fee ''. I believe this is deceptive because if the XXXX application shows a screen that makes you think the full amount you requested is being sent to your bank, but then hours later tell you that you will be getting less money via email, if you do not read the email, you will not know you are being assessed this fee. On X/XX/2017, I made a withdrawal from my Coinbase account for {$290.00}, and they showed me an app confirmation screen for a withdrawal of {$290.00}, but later sent me an email for stating that my withdrawal amount was {$260.00} because of a {$25.00} banking fee. I checked the Fees and Disclosure page but no " {$25.00} banking fee '' was listed, and they claimed that ACH transfers were free. I also did not opt or request a wire transfer, and so I do not know why I was assessed the fee. In summary, I believe Coinbase is violating multiple Federal laws. I believe that they are violating FTC Truth in Advertising Laws, since they deceptively advertise their fee structure. I also believe that they are violating SEC laws as my fiduciary. If virtual currency is treated as property for Federal Tax purposes, than Coinbase has a fiduciary duty to do what is in my best interest. By charging  excessive and undisclosed fees, I believe that they are in violation of the law, since it is not in my best interest to be assessed those fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act US Dept Education acct # XXXX has violated my rights. 
US Dept Education acct # XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX    XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act US Dept Education acct # XXXX has violated my rights. 
US Dept Education acct # XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

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 an 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 2022-04-28
Company: EQUIFAX, 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 Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine and it came back verified. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Great American Finance Co
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company Im disputing is Great American Finance, I had gotten a lawyer a while ago, and got all my debt cleared up. This specific company came back on my report stating that I still have a past due balance due. Even though I disputed the amount to them, it came back as current info. I have tried calling this company numerous times to get a hold of someone to get a better understanding as to why it came back on my report, and/or I will just pay it off so its not on my report again. Please help the best you can. Thank you a lot.

Company response to consumer: Closed with explanation