BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ). 

As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being " PAID/PAYS as AGREED, NEVER LATE ' and as nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Avant Holding Company, Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My information with XXXX has been breached and heres the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge 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 started a XXXX XXXX XXXXXXXX XXXX trial and cancelled shortly after due to the wife not liking it. It did not cancel. Appears hundreds of people are having the same experience. 
XXXX XXXX XXXXXXXX started billing me at the full price and continued to bill me for the following months below. The charges that appear are those that appear from my bank statement of credits and credit removals. ( They could not contact them either. ) Bank of America was requested to stop allowing the charges in XXXX, but did not. They have refused help performance of any kind. 
RE : Unlimited Cash Rewards Visa Signature XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XX/XX/16 XXXX Total {$460.00} In Fraudulent Charges In searching the web I found a lot of other people were having the same problem. It is not being cancelled after the trial period and there is no one to contact. 
Despite asking Bank of American to stop the charges after the first charge they refused saying I authorized it and continued to allow the fraudulent charges to occur for months after my request for a stop payment. 
Any possible help on this would be appreciated. Due to the large number of complaints this appears to be a significant problem with XXXX XXXX XXXX XXXX. 

Thanks, 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 monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX decided to check my credit report and saw that there were unauthorized inquiries on my behalf. According to FCRA legally these unverified & unauthorized items MUST be removed! 

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 non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00}

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 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act : Experian misused and disclosed personal information to these companies without authorization. When I contacted Experian, they advised me to contact all the companies. Their response is an unfair practice to not investigate. As called all these companies they asked me for all my personal information which they did not provide.

Experian violated the following articles : 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. 

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 2023-06-20
Company: Law Office of Brett M. Borland, P.C.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I am reaching because I was a financially affected from COVID-19 & the global shut down that happened in XX/XX/2020. I had recently graduated from XXXX XXXX XXXX XXXXXXXX that same week. My only source income was XXXX XXXX XXXX XXXX XXXXe which ended which I was out of school. I was not able to work or find a job due to the government shut down. I reached out to several rental assistance program for help. The property manager at the time refused to submit their affidavit forms which resulted in denials from incomplete applications. I was finally approved for rental assistance XXXX years later from XXXX but the apartment complex XXXX XXXX is not under new management ( XXXX XXXX ) & the funds were sent there. I have documentations on my approval, the amount, date & the clearing document number. The current property manager keeps avoiding my communications as I need the funds sent to the correct locations because the delinquent balance has been sent to collections. This has affected me from applying for apartments & finding stable housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : 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 15 U.S.C 1681 ( 2 ) ( a ) ( i ) States exclusions on " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

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.

15 U.S.C. 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Form 1099-c must be filed regardless of whether the debtor is required to report the debt as income.

According to the IRS a charge off is considered income and not debt and a 1099-c must be filed along with taxes.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX, I called personal line credit about payment was due on the same day. I told them Please Do not take any funds out of the accound because there no funds in the checking account. After they agree to not do that. The next following day they did take out XXXX dollars out for the payment told them not to. 

At the same time this new account was made for reburisment funds for fruad insident. It was not made to pay bills or anything else that has to do with banking. Now the account reads negative XXXX dollars that Wells Fargo inform

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION AND XXXX, AND WHOEVER IS INVOLVED WITH DEFAMING AND UNDERCALCULATING SCORES PUTS AN UNFAIR DISADVANTAGE TO PEOPLE WHO DO NOT HAVE THE HIGHEST EDUCATION OR POSESS GENERATIONAL WEALTH AND IT IS DISCRIMINATORY IN NATURE BECAUSE IT IS INHERENTLY XXXX INFORMATION BY REDUCING SCORES WITH NEARLY 100 POINTS LEAVING PEOPLE WHO NEED BETTER HOUSING, BETTER CREDIT OPTIONS AND THEY ARE JUDGED BY THE HISTORY AS I HAVE A BANKRUPTCY ON FILE, FOR WHICH IS DUE TO BE REMOVED XXXX OF 2024, I SHOULD NOT BE PENALIZED THE SAME AMOUNT OF POINTS AS IF I JUST FILED BANKRUPTCY AND BEING NEAR THE END DATE OF BANKRUPTCY BEING REMOVED, ALSO THE INDIVIDUAL CREDITORS SHOULD NOT BE AN ADDITIONAL IMPACT OR REPORTED ON A CREDIT REPORT WHEN THE BANKRUPTCY IN ITSELF IS ALREADY A POINT AGAINST THE CONSUMER, IT IS DOUBLE SCRUTINIZING THE CONSUMER FOR THE SAME THING, THIS NEEDS TO STOP, INDIVIDUAL CREDITORS WHO HAVE BEEN DISCHARGED SHOULD NO LONGER REFLECT ON THE REPORT, I HAVE FILED DISPUTES WITH TRANSUNION, XXXX THAT THEY SHOULD NOT REPORT DOUBLE NEGATIVES ON SUCH REPORTS AND IN XXXX SCORE. THESE ARE ALL VIOLATIONS IN THE NAME OF XXXX SCORE TO KEEP THE POOR, IMPOVERISHED CLASS IN POVERTY BY REDUCING EQUAL OPPORTUNITIES THAT ARE PROTECTED SUCH AS RACE AND INCOME, AS I AM ALSO A SECTION 8 RECIPIENT FOR SUBSIDIZED HOUSING, THIS PUTS US AT A DISADVANTAGE WHEN WE ARE TRYING TO ELEVATE OUR HIGHER LEARNING AND IMPROVE OUR CREDIT, BUT XXXX SCORE AND ALL CREDIT REPORTING AGENCIES WHO CALCULATE WITH PREJUDICE AND DOMINATING THE RENTAL MARKET LIKE XXXX NEEDS TO STOP, THEY ARE ALL FOCUSED ON THE GENERATIONALLY WEALTHY AND REDUCES OPPORTUNITIES. XXXX SCORE STATES THAT IT GIVES OPPORTUNITIES TO THOSE WHO HAVE NO CREDIT SCORE, BUT IT DEFAMES PEOPLE WHO ARE TRYING TO IMPROVE THEIR SCORE, ONLY TO BE SCORE AT THE BOTTOM, WHEN THEIR HIGHEST SCORE SHOULD BE SHOWCASED ESPECIALLY IN XXXX, ALL CREDIT REPORTING, ANY CALCULATIONS TO DO WITH CREDIT.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 accounts have 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 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
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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. 

I've asked for the companies to investigate the information and have received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXXXXXX 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 furbish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX XXXX I was in fact a victim of the XXXX data breach that happened years ago. My Information was sold and bought illegally by God knows who. I have a list of accounts from my credit report that needs to be deleted immediately. I am also attaching proof of me being a victim of the XXXX data breach. Please help me delete these accounts from my credit profiles. 

XXXX XXXX XXXXXXXX reported balance as of XX/XX/2022 XXXX XXXX  XXXX reported balance as of XX/XX/2022 XXXX XXXX bank loan XXXX reported balance as of XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX this was the start of my credit being acted by an outside entity )

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 2023-05-12
Company: EQUIFAX, 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 XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Minto Financial dba Minto Money
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested a loan for {$600.00} on XX/XX/2022, loan XXXX XXXX. They made me sign the payment agreement before they disclosed their 642.51 % APR so I could not back out of it and they transferred the money to me immediately. According to them, I will pay {$3200.00} in 20 payments for a {$600.00} loan! I have made 9 bi-weekly payments of {$160.00} so far totalling {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have had the financial institution of Navy Federal Credit Union, as my primary means to engage commerce since the late XXXX 's. I have experienced some health challenges that seriously impacted my functioning. The NFCU made the decision to close my checking account about XXXX. The account, remains closed to date. This eliminates any opportunity to I would have to engage in Point of Sale transactions with a debit card. 

I receive a compensation based on my military service and current health condition. The NFCU has always said once member always a member. Why is it acceptable that I do can not have debit card nor credit card, while my compensation is deposited my account? I have and continue to be shut out of engaging in commerce during a time that cash transactions are being less integral to daily life. I have attempted to resolve this matter in writing on the following dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. If you could assist me in this stalemate ; I would greatly appreciate it. 

No monies have been taken from me per se. However when NFCU sold account under name with the exception of my savings accounts, I have been limited to access proper nutrition, and all other aspects of my self care. As a XXXX XXXX XXXX of XXXX descent whom has XXXX to support the USA in the time of XXXX  ; I have become dismayed. Is this what NFCU means by the mission is our members? 

Yours truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation