BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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 PULLED MY EQUIFAX CREDIT REPORT AND SAW MULTIPLE FRAUDULENT ACCOUNTS REPORTING. I GOTTEN A POLICE/FTC REPORT MADE AND ITS IN THE ATTACHMENTS BELOW. PLEASE REMOVE ACCOUNTS THEY DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
An inquiry on my TransUnion account appeared at XXXX on XX/XX/2022 from XXXX ( XXXX  ). I contacted TransUnion and was told to notify the FTC and the organization that made the inquiry. I have notified the organization ( XXXX ) that this activity was fraudulent and was neither performed by or authorized by me. I did not apply for a XXXX XXXX. The company stated it can not cancel the application as it is pending. I have also requested confirmation that this will be removed from my credit report as it is fraudulent for which they do not seem to understand.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'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 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 2023-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received an email from Bank of America, XXXX. I am unsure if it is legitimate or not, but the email says that I have opened a new checking account.

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 2023-04-02
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called every year for the past 4 years to ask why my online account always shows an error message of BLNK. 
Equifax promises to escalate and fix it but they never do. One car dealership required I pay an extra {$1000.00} deposit because they could not get my Equifax score. 4 years ago. 
When I called Equifax they said it was not frozen yet the dealership insisted it was. I have never been able to resolve this problem for 4 years. 

I read online articles about how they split your account due to too many soft inquiries. Equifax has never told me about such a situation. 
After calling today they could not help me due to system issues. They asked me to call back. The phone line verification process is extremely lengthy. 

I will call back however, I believe the way they manage their customers is atrocious and scandalous how they get away with doing nothing. 
2 of the same screenshots below when I login for the past 4 years They also do not show a car lease I have had for the past 15 months. 

I understand from reading on line that a situation can be created with Equifax where I can have a split file due to too many soft inquiries. Apparently it takes another level of management to fix this situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: CA
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 complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : 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 2023-01-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a card with Synchrony Bank for over a year. I got the card through XXXX. I bought doors on it and I had my bank on automatic payment to pay it off. I over paid and they sent me a check XX/XX/2022 with the overpayment. 

I just bought cabinets on the card on XX/XX/2022. I set up the payments for my bank to draft a monthly payment to them. I sent them a payment in XXXX and XXXX. In XXXX they tried 2 times to draft my bank for the full amount unbeknownst to me. I did not have the funds in that acct for the full payment of over XXXX. They immediately closed my account. I have reached out to them two times and the first time, the manager looked over my payments and said that she would send it to the board to review. I spoke with another manager yesterday and she told me too bad. It appears that the acct switched over to pay in full. I informed her this was a glitch on the computer programs and not mine. She could see that I was paying each month. She told me there is nothing that they could do. I informed her this would hurt my credit score and that I have good credit. She said there was nothing that I could do and that the account was closed. She also told me that I could open up another card. 

Please help me figure this out and repair my credit. I shouldn't be penalized for a glitch in their system.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently filed multiple disputes with Experian about Identity Theft that has appeared on my credit report. In addition, I filed with the FTC and filed a police report with the local XXXX XXXX Police Department. My dispute was initially filed in XXXX as well as the police report. Experian then extended the length of my dispute on XX/XX/XXXX which is reflected in my dispute claim. Experian then looked into my dispute and they removed one of the disputed claims from my credit, which was the smaller amount of {$320.00}. Experian decided that the significantly larger claim against my credit, totaling {$2600.00}, was legitimate and they did not remove that claim from my report. The reason I am filing this complaint is that both of the accounts originated from the same address in XXXX, GA. I have never lived in XXXX and have only been there for work twice, and twice for personal reasons. In addition, both of the claims on my credit are from XXXX and originated in XXXX of XXXX. Not only that but I have lived in North Carolina since XX/XX/XXXX, and I have significant paperwork proving that. The reason that this is significant is that XXXX does not offer its services in North Carolina. The nearest XXXX  store is approximately XXXX miles away in XXXX, VA. This is not a new experience for me as I have been a victim of Identity Theft in XX/XX/XXXX, and I was proven correct in that case.

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 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On Tuesday XX/XX/XXXX I called back in and spoke to someone named XXXX who said it was approved for an extension for XX/XX/XXXX to XX/XX/XXXX, but the call dropped. 

I then called back again for a 3rd time and spoke to a XXXX XXXX for an update to the status of my foreberance and according to XXXX XXXX the only foreberance on file is the one from XX/XX/XXXX thru XX/XX/XXXX. 

I asked for a supervisor and he said he could send a message or transfer me to leave a voicemail. XXXX transferred the recording said the person you are trying to reach does not have voicemail please reach out by email, but no email address was provided. 

What kind of madness is this? 

I called back in for a 4th time and spoke to someone named XXXX XXXX who stated there was an active payment plan in place which is contrary to what XXXX XXXX stated. 

As a customer having been told so many different updates I have no idea what the status of the request to extend the foreberance is and apparently neither do the representatives at Bank of America.

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 2021-01-16
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AvanteUSA placed a collection on my credit report stating that I owe them money for a past due debt purchased by them from a different creditor. I contacted business via mail and requested they validate debt pursuant to 15 USC 1692g. AvanteUSA in response provided insufficient validation and did send requested documents that I am entitled to review. AvanteUSA also violated federal and state law from the Texas Finance Code and the Fair Debt Collections Practice Act, in the notice they sent specifically as it pertains to deceptive and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I was on a 3 month forebearance for XXXX XXXX XXXX XXXX  I called before XXXX to get an extension of the foreberance ( which is allowed by my investor ) and the representative told me to call back in after XXXX XXXX 

On XX/XX/XXXX, at about XXXX XXXX I called and requested an extension and spoke to a XXXX XXXX who told me I would get a letter in 3-5 days. 

I told her the first time they put it in the computer and I was given the answer while on the phone and then I asked to speak to a supervisor. 

She then stated she would take my information and have a supervisor call me back in 24 to 48 hours. I asked was anyone available and she sort of laughed and said no one was on the floor. That little laugh was very offensive. 

Her lack of urgency in providing needed assistance due to a hardship was incredible. 

I was told all I had to do was call back in and then I had back in.

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 2023-01-11
Company: EQUIFAX, INC.
State: MI
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had Consumer loan to fix my XXXX. I paid the entire loan on time, but they erroneously placed a retroactive amount of {$1600.00} on my record. They were automatically debating my checking account and they had the control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bussiness partner and me went to XXXX XXXX XXXX  and get the cashier check and deposit into my citibank account and the money was clear, and we went back to XXXX XXXX ask them to wire more money into my citibank checking account because we try to make a large withdraw from XXXX XXXX  and they dont have enough fun so i was thinking about them wire to my citibank account so i can make a large withdraw..after all the fund clear with proof of XXXX XXXX wire statement, and citibank didnt want to give me 30k withdraw and they close my account and not send me my remain ballance back since i need the money for investment please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: TX
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 filed several disputes with Experian providing information about inaccurate bankruptcy accounts. All prior disputes I have filed are determined verified. In the completed dispute letter I received from Experian, I was told to contact the company verifying the information known as XXXX which is their vendor. According to XXXX the bankruptcy accounts do not exist. I have provided supporting letters from XXXX that substantiate my dispute. I was told by an Experian representative that they obtain information from a public record source known as Pacer which is a third party vendor that holds court information. According to The Fair Credit Reporting Act, I understand that one must verify information from the original furnisher. I also provided a letter from the bankruptcy court stating they do not report to the credit bureaus such as Experian, XXXX, and XXXX. I would like a proper investigation that do not violate the FCRA. Im attaching supporting documents from all sources once again. The accounts I want investigated and removed are listed XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT   TN 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 2023-05-08
Company: EQUIFAX, INC.
State: MO
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:
XXXX This is your final notice Wilfully ignoring consumer law without providing information that says this reporting is accurate and under the guidelines of my consent. 

Note that your company gave false information to refuse doing a proper investigation and now your claims is that you don't have a relationship with the source that stole my identity. 

I'm putting Equifax on notice that you haven't provided any information with my request. This will now be turned over to legal representation. 

If you followed the law how it's written and not how you feel I wouldn't be seeking legal damages. You did this to yourself. 

EQUIFAX IF YOU REVIEW ALL THIS INFORMATION AND STILL BELIEVE ITS ACCEPTABLE TO REPORT THIS INQUIRY YOU'LL BE COUNTED AS LIABLE ALSO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$670.00} I have tried to file a fraud claim for the above charges as they were not authorized by me and RCI Barclay keeps telling it isn't fraud and wont give me a solution to the problem after explaining I found these charges after preforming a minor audit. I know I should be more on top of my finances and I will moving forward. They just keep telling me that since I payed my bill with my bank account this isn't fraud. I don't always review every charge on my statements I just make the payment. I don't think I should be penalized for making my payments on time.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$750.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ), XXXX, XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1900.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$61.00} XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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