BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a fraud/scam occurred with my checking account. I was told I needed to enter a verification code over XXXX to cancel a payment someone was trying to make. Upon entering the codes and amounts it sent {$3500.00} to the suspect. 

Bank Of America refuses to take any action on the claim stating I approved the action. I have completed a Police Report for Fraud and feel this incident should fall under regulation E. I would dispute regulation E covers frauds and also I didnt initiate the transaction. The suspect initiated the transaction when he contacted me. The payment sent was in error and I would dispute any reasonable person wouldnt send an unknown person {$3500.00} without receiving a benefit/service. Fraud is when someone tricks someone to gain financial gain and this is exactly what happened. 

I have made a previous complaint against Bank Of America and also disputed my claim outcome with them and received no answers as to exactly why this claim is denied or receive a refund. Bank Of America offers XXXX and yet they offer no protection when they say transfers are safe and leave customers such as myself out thousands of Dollars because criminals use their services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
Company: EQUIFAX, 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 reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681sec 602 states I have the right to privacy 15USC 1681 sec 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: SC
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:
ON XX/XX/2023 THERE WAS AN INQUIRY ON MY CREDIT REPORT ACROSS ALL 3 CREDIT BUEARUS ( XXXX, XXXX AND EXPERIAN ) FROM AN " XXXX MORTGAGE SERVICES '' COMPANY. I DO NOT RECOGNIZE THIS INQUIRY AND WOULD LIKE FOR IT TO BE REMOVED. I HAVE ALREADY TRIED TO SOLVE THE PROBLEM WITH THE COMPANY. 

THE INQUIRY WAS UNAUTHORIZED AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2022-05-24
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out 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 2023-11-02
Company: Affirm Holdings, Inc
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ref CFPB Case # : XXXX Affirm Loan ID : XXXX With regard to application in question. The loan application is my equitable property and should be retracted as your corporation is in breach of contract due to non performance. I have right to credit. XXXX or any other CRA do not decide my credit worthiness. Continued misinformation is violation of 15 USC 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXX XXXX Bankruptcy Liability : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-24
Company: SYNCHRONY FINANCIAL
State: FL
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:
Someone applied for a credit card in my name that I did not authorize and I called Synchrony Bank and told them it was fraudulent, and they told me twice in 2 different phone calls that they would send the removal request of the credit inquiry to the credit bureau agencies. It has not been removed yet.

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 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on XXXX and TransUnion dropped drastically. XXXX   dropped 74 points from XXXX down to XXXX and TransUnion dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, XXXX raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On my XXXX and XXXX Transunion Credit Report there is a derogatory mark on my account with reference to XXXX XXXX XXXX XXXX. I have explained that I closed my account with this organization in XX/XX/XXXX. My account was in good standing at that time. I believe that they are reporting on my mother 's account, XXXX XXXX. XXXX XXXX died XX/XX/XXXX. I have contacted XXXX XXXX XXXX and they are telling me to dispute the report which I have unsuccessfully. 

I am not personally responsible for the payments on this account and therefore, this should not be reporting on my credit account with Transunion. Any assistance in this matter would be appreciated.

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 2022-02-12
Company: DISCOVER BANK
State: CT
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:
I opened a Discover secured credit card, deposited {$500.00} on XX/XX/2021. According to Discover, after 6 months of on-time paying on all my credit accounts, I can 'graduate ' to an unsecured credit card and receive my deposit back. It is now well over the 6 months and when I called I am told that no one, not even the supervisor I spoke to or anyone else above him, can know why I haven't gotten my deposit back. My account is paid in full every month. I have no other credit cards and only two car loans, which I pay monthly. I find this a predatory practice where the only way I can receive my deposit is when the auto check each month runs and says I can. Not one human at Discover can provide any insight, only look at what the screen says, which is not graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been trying to pay back this company with {$25.00} every 2 weeks because that is all can afford. So far I have paid {$850.00}. This loan was taken out in XXXX. They are saying that I still owe almost {$2000.00} and I believe that I have been paying only interest and extra fees the company has added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: SYNCHRONY FINANCIAL
State: NY
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:
XXXX Synchrony Bank sent a letter to me with the WRONG ADDRESS under my name in claiming that they have an account with them that was sold to XXXX XXXX XXXX, XXXX. This letter was sent to me XX/XX/2017. 
I have never opened an account with Syncrhony Bank and somehow the letter mentioned previously even shows an account number in Synchrony Bank. It also claimed a ridiculous credit limit and available credit for my age at the time. 

Now during XXXX they left me voicemails pertaining to the amount I owed, and they even CALLED MY SISTER regarding my debt which I think violates Fair Debt Collection Practices Act ( FDCPA ). 

Also I under my credit report somehwere around 2017 they started showing up as debt collector claiming I owe them a certain amount which I believe hurts my credit score. So I was wondering if this can be fixed by your agency, many thanks.

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 2023-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian nad XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$4400.00}

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 explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-05-24
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On or before XX/XX/XXXX, Citibank established a checking account to accept XXXX payments. On XX/XX/XXXX, I paid a fraudster {$500.00} via XXXX to this Citibank account based on the belief that Citibank had completed required KNOW YOUR CUSTOMER diligence. After unsuccessfully trying to resolve this via my bank ( XXXX XXXX XXXX ) and Citibank and XXXX, I filed a police report in XX/XX/XXXX. Recently, the police informed me that Citibank informed them ( under subpoena ) that the account was in fact based in XXXX, not the United States, and that KYC processes had not been properly followed based on online account opening. Citibank also accepted that the account had been used in money laundering activities. 

Citibank failed to protect the financial system and failed to perform required due diligence in setting up a fraudster 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 explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During a time of Incarceration XXXX XXXX allowed someone to use my identifying information to open several loans and account and bank accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are 3 months reported late. I paid in time every month.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX XXXX against the divorce decree order as a joint account holder for XXXX XXXX.. I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX.. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS XXXX XXXX XXXX.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH EXPERIAN AND XXXX CREDIT . THANK YOU!

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 2022-05-24
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a {$100.00} pre-paid debit XXXX issued by U.S. Bank National Association. The physical card expired XX/XX/19. A customer support phone number is not provided on the card. Numerous attempts to contact U.S. Bank directly to resolve my unspent funds have gone unanswered.

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