BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: VA
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in regard to Ability Recovery Services phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from XXXX before they take it off my credit but I spoke to cascade and they gave me the documentation that is needed as it was settled in full by my insurance company and that ability recovery services has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 is Reporting on My Credit Report with all 3 Bureaus # 1. False Information. Such as partial Account Number I can not look this Account up to See who it Belongs to with just a Few Numbers. # 2 Balance that they state is Owed to Them. # 3. How did they Get My Person Information I did not authorize this I Do not know who XXXX XXXX  Is. I have never had A Account with this Company XXXX XXXX XXXX. Account Number. - XXXX. - {$650.00} balance -and listing XXXX $ asa High Balance stating Factoring Company Account. I Contacted XXXX XXXX XXXX  that they have listed on my Credit Report as a Collection and they stated they are not Collecting for them that they do not have the Debt nor any Debt with my Name. 
XXXX XXXX XXXX Has added A Statement stating FCRA Dispute on my account after they stated it was Verified by the Credit Bureau to be Legal and Verified but would not tell me How or whom it was That they Verified with or how they Verified. I asked for all paperwork Containing to this Debt and it wasnt provided by XXXX or Transunion or XXXX. Why would they post a Balance and a High Balance on My Credit Report before Verifying that with me. Then a Few numbers as a Account Number that I cant look up. That is not Right at All. 
# 1 There is No Account Number for me to Investigate for my Self. # 2. Balance and High Balance listed as {$1000.00}. States XXXX XXXX. Whom states they do not have any information on this Debt. My Credit is Very Important to me and they Have Violated my Rights under FCRA. If I can seek Judgment for Damages I Would like to do So. This has Been Mentally and Physically Exhausting to Research and Again Damaging to my Livelihood and Mental Status

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 2023-03-03
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX Balance : {$27.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have an Amazon store card managed by synchrony bank and there is a charge of XXXX dollars on my credit card activity dated XX/XX/2022 and it states a balance transfer of XXXX dollars posted on my Amazon store card on XX/XX/2022 which I have NO idea where that charge came from and I never authorized that charge and I do NOT recognize that charge. Synchrony bank keeps playing with my amazon credit card account and keeps charging me money for no reason without my authorization. This is a fraudulent charge and I never purchased or authorized this charge of XXXXXXXX XXXX posted in my account on XX/XX/2022 as a balance transfer. I want synchrony bank to remove that charge immediately from my Amazon credit card account. This is an unrecognized and unauthorized charge

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 2022-12-16
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have noticed the company ( One Main Financial ) has been applying frivolous interest fees not disclosed to me initially, also they refused to provide me with contract signed accepting such impossible interest terms. 
I've stop payments to this lender as on today 's date due to their lack of response to provide me with contract signed. 

Hard copy of contract was never explained neither given nor delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX  has violated my rights. ( LATE PAYMENTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions. 

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



In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. ( LATE PAYMENTS & CLOSED ACCOUNTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

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



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights ( LATE PAYMENTS & CLOSED ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

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



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. ( CLOSESD ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: FL
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DEPT OF EDXXXX  Account # XXXX has violated my rights. ( LATE PAYMENTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

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



In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. ( LATE PAYMENTS & CLOSED ACCOUNTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

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



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights ( LATE PAYMENTS & CLOSED ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

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



In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. ( CLOSESD ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2023-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard Inquiry that I dont know and did not authorize From 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 2023-10-31
Company: EQUIFAX, INC.
State: CA
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:
I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone was able to get my phone and retrieve all my personal information. They then opened fraudulent accounts in my name and other names in other states. They also transferred {$19000.00} from one of the fraudulent accounts to my main checking account then dispersed all the funds via XXXX XXXX XXXX XXXX and XXXX. They then somehow reported the {$19000.00} deposit and reversed it. This left my bank account negative {$19000.00}. We have a police report. We reported identity theft to the Federal Trade Commission and have placed a hold at all credit agencies. We've first contacted Bank of America on XX/XX/XXXX. They told us to let the pending charges sit and they will eventually fall off. They never fell off, so we reported a fraudulent claim with Bank of America. There were three claims opened. Claim # XXXX and # XXXX and # XXXX. Claim XXXX and # XXXX were for accounts opened in my name and the name of XXXX XXXX Mowatt and XXXX XXXX XXXX. The {$19000.00} was originally transferred from the account in the name of XXXX XXXX XXXX. After a denial on both claims, we requested a reconsideration and Bank of America approve the claims. Both accounts are now closed with Bank of America. Claim # XXXX is for transfers from my main checking account via XXXX XXXX XXXXXXXX and XXXXXXXX XXXX for {$10000.00}, {$2500.00}, {$2500.00}, {$1000.00} and {$3300.00}. I did not authorize these transfers, nor did I have any knowledge of this happening until I checked my bank account online. Bank of America has denied this claim 3 times. The second time it was denied, they said it was because it wasn't reported timely. We sent them copies of phone records from XXXX XXXX XXXX showing long phone calls multiple times a day beginning on XX/XX/XXXX. Our last conversation was with Bank of America on XX/XX/XXXX and they informed us the claims have been denied and the information has been reported to XXXX and we are responsible for paying the money back. We did not authorize these charges and we feel we should not be responsible for this. Please see all the attachments as I have page numbered the order and wrote notes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: 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.

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 2023-04-13
Company: EQUIFAX, INC.
State: PA
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 a charged off account reporting to all thr CRA with eith no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Dovenmuehle Mortgage, Inc.
State: OR
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: Problem with personal statement of dispute

Complaint:
On XXXX  my application with Dovenmuehle Mortgage Inc Loss Mitigation was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. Dovenmuehle submitted foreclosure status on XX/XX/XXXX and then again on XXXX  to XXXX . This was illegal. I disputed it on XX/XX/XXXX with XXXX and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to XXXX and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now XXXX has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Information belongs to someone else

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-14
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 # XXXX, Account Name : 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 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 or 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 2023-06-01
Company: Experian Information Solutions Inc.
State: NY
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 disputed some hard inquiries to EXPERIAN which are unauthorized by sending them a letter in the mail including proof of identity documents, however, after their investigation, they did not remove the questioned hard inquiries and did nothing to delete them. This is an unfair practice. They should do better.

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 2023-04-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo bank currently has a case for fraudulent activity. Loan in XXXX. This loan had a higher than normal fees. Mortgages were modified without permission. In 13 years the balance on this mortgage did not budge, I believe there was some illegal activity with this mortgage loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing a complaint against Bank of America due to a Freeze on My Business, Personal, and Saving accounts at BOA. I have never had any issues with payments from XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX XXXX and was told the account payment was in FACT FREE and CLEAR. The hold on my account was issued by BOA not XXXX XXXX XXXX XXXX. 
I feel like this is racially motivated and biased against my business XXXX -OWNED. 
I have a payment on hold for XXXX deposits {$70000.00} + {$45000.00} I received a letter dated XX/XX/2023 Claim XXXX. 
MY CHECKING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC 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