BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
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 sent letters to Experian and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023 and XX/XX/XXXX. 2023. Experian and XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian or XXXX doesn't have any files to verify this account, nor will they delete it. 



The accounts are XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX Opened XX/XX/2023 Posted on XXXX and Experian XXXX XXXX XXXX Original creditor XXXX XXXX XXXX {$76.00} Posted on XXXX and Experian

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 2023-12-07
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:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy. 
Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system. 
You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. 
Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 
However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. 
I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXXXXXX XXXX opened on XXXX with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241.

I am demanding my remedy for your willful noncompliance for each violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid XXXX on XX/XX/XXXX and another payment of XXXX on XXXX XXXX XXXX XXXX XXXX  never cashed checks and charged late fee. My bank said payment cleared the bank. So I had to have my bank re issue another 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 monetary relief
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used my Bofa EDD debit card in XXXX gas station to pump gas. The first attempt, only XXXX was able to pump and it stop working. So I tried to do this again, and nothing came out. So I went inside the gas station to ask the attendant if there's something wrong with their pump and he said, nothing is wrong and try the pump behind where my car is. So I did. I went outside moved my car and tried to pump again using the XXXX app where my EDD debit card is linked for payment. And it did it again, nothing was coming out. So I went inside again and they said it must be down because another customer tried in a different pump and it also didn't work. I didn't know that everytime I attempted to pump, they placed a {$100.00} authorization on my card. It's been past 72hrs and the {$200.00} hold is still in my edd debit card. I called XXXX to fix it, they said they can not do anything about it and to contact BofA EDD and dispute it. BofA EDD on the other hand, is telling me that they can not file a dispute on it until it post. How can it post if there's no transaction that took place? They told me the hold is may placed up to 30 days before it falls off. Is this even reasonable? I am unemployed and I need that money to buy food and gas.

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 2023-12-07
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Company: EQUIFAX, INC.
State: AR
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 am writing to formally complain about the persistent challenges I have faced in attempting to remove fraudulent items from my credit file with your credit bureau. Despite my numerous and diligent attempts to rectify this situation, the fraudulent entries continue to negatively impact my creditworthiness. 

I have made multiple attempts to dispute and remove these fraudulent items by following the procedures outlined by your organization. However, it is with great disappointment that I must convey my dissatisfaction with the lack of progress in resolving this matter. The continued presence of fraudulent items on my credit report is not only causing me significant stress but also affecting my financial standing. 

Attached to this letter, you will find copies of the documentation supporting my claims, including fraud alert requests, dispute letters, and any other relevant communication. These documents include reference numbers, dates of communication, and any additional evidence that may aid in the swift resolution of this issue. 

I understand the importance of accurate credit reporting and the potential consequences of fraudulent entries on my credit file. Therefore, I request that you conduct an immediate and thorough investigation into this matter. I insist on the removal of the fraudulent items from my credit report and seek a detailed explanation of the circumstances that have led to their persistent presence. 

Furthermore, I seek your assurance that steps will be taken to prevent the recurrence of such issues in the future. It is crucial for the integrity of the credit reporting system and for the fair treatment of consumers that fraudulent items are promptly and decisively addressed. 

If this matter is not resolved to my satisfaction within a reasonable timeframe, I may be left with no choice but to escalate my complaint to relevant regulatory authorities and explore legal avenues to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Company: EQUIFAX, 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:
I checked my Equifax consumer report and noticed that an item is being reported without my expressed consent written or otherwise. Their is a bankruptcy reporting that is being furnished after I have disputed its inaccuracy and made Equifax aware of its error in reporting this. It violates my right to privacy and goes against The Consumer Privacy At of1974. It states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Equifax has been made aware through clear and conspicuous communication that the furnishing of this information is against my will and without my consent. Every time Equifax disseminates my consumer report, it is violating my privacy and laws set up by the FTC to mitigate identity theft.

Companies are supposed to adopt procedures that would aid in defense of such egregious misuse of my consumer report and protect the privacy of the consumers. Equifax failed to do that and according to 16 CFR 681.1 is liable for not following legal procedure and remaining compliant with Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: SD
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX is ignoring their obligations under 15 U.S. Code 1681s2. For account ending XXXX aka card number ending XXXX, XXXX XXXX decided to mark the account charged-off beginning XXXX XX/XX/XXXX, yet the account was alleged charged-off on XXXX XX/XX/XXXX. The Date of First Delinquency would thus be within the nexus of the XXXX XX/XX/XXXX. Yet, the data XXXX is supplying to XXXX indicates the account would continue on-record into XX/XX/XXXX. That date is beyond the 7-year period and indicates the date of first delinquency is reported on or around XX/XX/XXXX, instead of a date within 150 days BEFOR XX/XX/XXXX. Moreover, the same issues are evidenced in the data XXXX is reporting to Equifax, as Equifax has consistently received updates from XXXX, in which XXXX claims the Date of First Delinquency is XX/XX/XXXX. It should also be noted the XX/XX/XXXX date is NOT supported by the payment history furnished to the CRAs by XXXX, with both Equifax and XXXX showing the month of XX/XX/XXXX " paid on time ''. Thus, XXXX is supplying false/misleading/inaccurate information it knows, or has reasonable cause to believe is incorrect. In their response to { XXXX, XXXX and XXXX }, XXXX reerences the table supplied in response to XXXX, alleging the account is being reported as " accurate '' because it is consistent with the table of information provided. Yet, the table provided itself shows an alleged past-due payment that was thirty ( 30 ) days past-due in XX/XX/XXXX, and miraculously one-hundred twenty ( 120 ) days past-due for the month that followed, making a difference of ninety ( 90 ) days past-due over one ( 1 ) billing cycle.That payment history on its face is false/misleading/inaccurate. XXXX has engaged in acts and practices that are unfair, deceptive, and abusive and has sought to cover their XXXX by providing contradictory, misleading, inchoate statements in response to CFPB complaints. There is nothing lawful about their behavior and XXXX needs to take accountibility for their own incompetence instead of trying to justify incompetence and punsihing a person with a documented learning XXXX that has been afflicted with XXXX ( also XXXX ) during this entire ordeal. It would appear to be " XXXX. XXXX '' providing the BS in the XXXX XX/XX/XXXX response and then copying the same XXXX into the XXXX XX/XX/XXXX response. Each person touching the account during an " investigation '' has provided their own spin on XXXX which has been contradicted others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, 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:
Equifax has had a data breach and I was a victim of this data breach which has lead to identity theft. I have said sent these things to the credit agency and they have refused to delete it. THIS IS ILLEGAL. And they continue to keep illegal accounts on my credit report. this is according to the FCRA 15 USC 1681 section 623 ( a ) ( 6 ). and actually there is many different violations. So I demand that these excessive inquiries be deleted along with these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

And because this will be deleted off my credit due to illegal practices. It is illegal that the the same thing must be reported on all three major credit bureaus. So I demand a deletion immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
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 FOURTH 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: General Motors Financial Company, Inc.
State: FL
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:
I am filing this complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL ''. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the last three months. GM Financial has processed my credit report eight times on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have reported this matter to GM Financial several times over the phone to the finance supervisor XXXX XXXX and XXXX XXXX. I have not received any documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from this company. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. 

GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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