BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: GA
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 different collections was placed on my credit repost from this company all opens on the same date and also the same account number. I never had any dealings with this company and this is not my balance owed. Dropped my perfect credit score tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: MD
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 7th 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 alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2021-04-17
Company: EQUIFAX, INC.
State: NV
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 some creditors and inquiries that are on my credit report that I do not recognize, nor did I approve of them being on there. Please delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$67.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus is reporting my name wrong and they refuse to remove it. I have sent in multiple letters asking them to update the correct spelling of my name and they refuse to do it. This has been a frustrating process and its hindering me from moving forward. The credit bureaus is violating my right by reporting inaccurate information on my credit file. 15 USC 1681 ( a ) ( 4 ) -There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
The credit bureaus did not do their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a letter via Certified Mail to Regional Acceptance Corporation regarding the account currently showing on my credit report. A copy of the letter is enclosed, stating my request for, among other things, the following : - Provide me copies of any papers that show I agreed to pay what you say I owe - Prove the Statute of Limitations has not expired on this account - Show me that Regional Acceptance is licensed to collected in my state On XX/XX/XXXX, Regional Acceptance sent me a letter advising they could not find an account for me with the information I provided. 

On XX/XX/XXXX, I again sent Regional Acceptance Corporation a letter requesting the same information I requested in my XX/XX/XXXX letter. 

On XX/XX/XXXX, Regional Acceptance sent me a letter, in which the only information Regional Acceptance provided is a payment history on the account. There is no paperwork showing I agree to pay any amount they say I owe. There is nothing showing the Statute of Limitations is still in effect ( In fact, the statute of Limitations in the State of Indiana has expired. It is 6 years. According to the documents sent by Regional Acceptance, this debt is 9 years old. ). There is nothing showing Regional Acceptance is authorized to collect in the state of Indiana. Furthermore, the address ( highlighted, XXXX XXXX XXXX XXXX XXXX is a different address than my address XXXX XXXX XXXX XXXX XXXX. 

As of the date of this complaint, the unverified item listed below remains on my XXXX  credit report in violation of Federal Law. XXXXXXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that Regional Acceptance verified that this item is being reported correctly. 

Yet, even after multiple requests, Neither XXXX nor Regional Acceptance has provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I sent all documentation to XXXX via Certified Mail on XX/XX/XXXX, and demanded the account be removed from my credit report. Today, the account remains. Regional Acceptance and XXXX are in violation of the FCRA and the FDCPA, and thus the account must removed from my report, or I am entitled to sue for {$1000.00} under the FCRA. 

Today, I tried to contact XXXX regarding this account. I could not get through to speak to a human.

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 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is an additional complaint in regards to my original complaint # XXXX submitted on XX/XX/23. 

The bank had initially taken out double the amount of money from my checking account to pay my credit card account then refused to refund me in a timely manner ( see original complaint XXXX ). After I filed this complaint with you, a few days later they finally replaced the original amount of overpayment to my checking account, although they did not pay me the additional fees that I am still filing for, which are fees for my time having to be on the phone with them for over FIVE hours to fix this, as well as any overdraft and late payment fees they would have charged me had the shoes been on the other foot. 

NOW, Friday XX/XX/XXXX, they finally contact me by leaving a voicemail this morning from their " Protection Department '', saying that they are ( just now ) responding to them accidentally taking out the extra money from my checking account. So, their action that they have taken is that they have placed a restriction on my checking account! So, now I can't access any of my money in my checking account! 

I called them back at the same department as soon as I could, but a different person who answered said that they can't help me and transferred me to their Regulatory Complaint department ( the department who is handling my complaint I filed with you ). I got her voicemail and left a message. 

This person from the regulatory complaint department just called me at XXXX ( my time, XXXX ) and left me a voicemail. I tried to call her right back, but it turns out she only works until XXXX XXXX ( my time XXXX ) so her phone was already automatically directed to her voicemail. She won't be back in until Monday, so now I am cut off from accessing any of my money in my checking account for 3 days until I can get this fixed on Monday! 

This is downright harassment for me filing a complaint with you. There was absolutely no reason for them to put a temporary restriction on my account. They did not overpay me any money from their initial error. Now they're saying that I can't access my own money until I contact them, 3 days from now??? 

I'd like to amend my initial # XXXX complaint 's restitution demands and add additional fees for them preventing me from accessing my own money for XXXX days, and charge them interest fees for the amount of time it takes for me to regain access to my money, as well as a {$150.00} harassment charge per day that they do not remove any restrictions from my account. 

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Attention : Consumer finance prtection buraeu ref case no XXXX captalOne bank I wrote to your office several times But proper attention has not been Taken. 
Per responce I read by the bank, it Points that they are not aware of The issue having a letter clearly Stated that there was a short Balance amounting {$28000.00} Within 2 years window period. 
With transactions withdrawal at XXXX and uae. 
What I made out of my complaint Is as follows : I made a purchase XXXX  XXXX XXXX of merchandise At XXXX mall, XXXX XXXX XXXX But capital one first declined of The purchase cancellation and book Was not adjusted on time but finally Agreed which primarly has no knowledge And the mall made a cash refund arrangement After both party duscussed, may be to be safe Legally.

So my inferance is that if ever federal Inspector General Audit my book and Other lower citizen, one can Proof the bank has taken cash advantage So please research and refund My short balance B ) please take legal action via Civil suit firm. 
Thanks XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, va XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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 act XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX AR XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Apple Card app makes it very difficult to make payment form different accounts. After successfully adding an account and paying off my card, the card now says restricted, and no further information is given. Apple savings also says restricted with no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received a Credit Card in the mail for BofA XXXX. This CC was in my former married name of XXXX XXXX XXXX. This name was changed 10 years ago. I thought it was a scam trying to get me to open a CC. Then the next day I received a statement in the mail for {$59.00}. Monday XX/XX/2022 I went to BofA and told them what was going on. They looked up the information and discovered that there was a fraudulent BofA Mastercard also. Both issued XX/XX/2022 in my former name. 
Both CC 's have been closed and there has been a hold placed on my Credit with all 3 credit report Companies. 
The CC account # 's with Bof A were : Partial Account # XXXX Address ID # XXXX Credit limit {$6000.00} Partial Account # XXXX Address ID # XXXX Credit limit {$7500.00} XXXX XXXX  Police Report XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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